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A user name and password have traditionally been used to authenticate Web users, either to log them onto an application or grant them access to a resource. This approach provides a relatively low level of trust for consumers: Passwords can be easy to guess, too short, and difficult to manage. Adding a second factor credential typically a one-time password or security code on a credential such as hardware tokens/cards, mobile phones, etc. to the authentication process helps to address these challenges with passwords. Commonly referred to as two-factor authentication (2FA), 2FA adds additional security to authentication and represents a higher level of trust between consumers and online businesses.
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