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Online services provide organizations with additional channels to generate revenue, strengthen branding, and meet customer demand for anytime, anywhere services. However, as online identity theft, fraud, and credit card data breaches become increasingly sophisticated, user names and passwords are insufficient to verify or authenticate users' identity and protect high-value transactions. In this high-stakes environment, passwords are simply too easy to steal, guess, or lose. In deploying a two-factor consumer authentication solution, organizations must continually balance cost, complexity, risk, and user convenience. The following strategies address these considerations while helping reduce the high cost of two-factor authentication.
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