The chances of a hacker having one of the other components is substantially smaller than relying on just a password alone. TFA requires not only something the user knows, like a password, but also something the user has, like their phone or a key fob, or something they are, such as a fingerprint or retinal scan. After all, according to a 2020 Verizon study 1, password theft is the leading tactic hackers use to gain access online. This process is two-factor authentication and while it may be annoying if you aren’t expecting it, TFA enhances the security of your online accounts. That task may be an SMS message containing a time-sensitive code, a push notification on the website’s phone app, or even a phone call. Most people have had the experience of trying to log in somewhere online and when, after providing your password, the website has you complete one further task to gain access.
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