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It is a method of confirming users' claimed identities by using a combination of two different factors: 1) something they know, 2) something they have, or 3) something they are.\r\nA good example of two-factor authentication is the withdrawing of money from an ATM; only the correct combination of a bank card (something the user possesses) and a PIN (something the user knows) allows the transaction to be carried out.\r\nTwo other examples are to supplement a user-controlled password with a one-time password (OTP) or code generated or received by an authenticator (e.g. a security token or smartphone) that only the user possesses.\r\nTwo-step verification or two-step authentication is a method of confirming a user's claimed identity by utilizing something they know (password) and a second factor other than something they have or something they are. An example of a second step is the user repeating back something that was sent to them through an out-of-band mechanism. Or, the second step might be a six digit number generated by an app that is common to the user and the authentication system.","materialsDescription":" <span style=\"font-weight: bold;\">What is MFA?</span>\r\nMulti-factor authentication (MFA) combines two or more independent authentication factors. For example, suppose your website required your clients to enter something only they would know upon login (password), something they have (like a one-time smartphone authentication token provided by special software), and a biometric identifier (like a thumbprint). It is pretty hard for a mortgage cyber-attacker to have all three of those items, especially the biometric identifier.\r\n<span style=\"font-weight: bold;\">Why do I need MFA? What are the benefits?</span>\r\nPasswords are becoming increasingly easy to compromise. They can be stolen, “phished”, guessed, and hacked. 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Secure file sharing can also be done through a private network connection such as a VPN.\r\nMost file-sharing services or software enable secure file sharing by restricting access to the file, such as only granting authorized personnel rights to access, view and download the file.","materialsDescription":" <span style=\"font-weight: bold; \">What is file-sharing security?</span>\r\nFile sharing has grown in popularity and frequency as people work remotely and enterprises move to the cloud. However, any time employees use technology to share files between devices, there are security risks involved. File-sharing can introduce risks of malware infection, hacking, and loss or exposure of sensitive information. Without proper security measures in place, the benefits of file sharing can be significantly outweighed by the potential for exposing your company’s sensitive data to new security threats.\r\n<span style=\"font-weight: bold; \">What Are The Pros and Cons of File Sharing?</span>\r\nThere are a number of factors to keep in mind before you start actively file sharing.\r\n<span style=\"font-style: italic; \"><span style=\"font-weight: bold; \">Pros:</span></span>\r\n<ul><li>It allows you to transfer large files over a network connection.</li><li>It makes it easier to collaborate with other people across the globe.</li><li>It reduces the need to maintain a central file server that is always online.</li></ul>\r\n<span style=\"font-style: italic; \"><span style=\"font-weight: bold; \">Cons:</span></span>\r\n<ul><li>The amount of bandwidth required can be costly.</li><li>Hard to trace what happens to a file after it is shared publicly.</li><li>Higher risk of acquiring a virus or other type of malware from a remote file.</li></ul>\r\n<span style=\"font-weight: bold; \">What are file-sharing stats?</span>\r\nWhen the topic of file-sharing comes up, most people recall the days of tools like Napster which became popular methods for illegally transferring music content around the internet in the ’90s. Today, however, file sharing is a key function for many businesses and other use cases.\r\n<ul><li>39% of business data that is uploaded to the cloud is used for file-sharing purposes.</li><li>The average company shares files with over 800 different online domains, which includes partners and vendors.</li><li>About 60% of files uploaded to a file sharing service are never actually shared with other people and are instead used as a backup copy.</li><li>About 70% of shared files are spread to only internal users in an organization.</li></ul>\r\n<span style=\"font-weight: bold; \">Secure file-sharing for businesses</span>\r\nSome of the best practices when it comes to ensuring your file-sharing sessions are secure at all times.\r\n<ul><li>Pick a service that offers <span style=\"font-weight: bold; \">end-to-end encryption.</span> This protects you from external hackers and also prevents the host itself from viewing your data.</li><li>Always <span style=\"font-weight: bold; \">double-check permission settings.</span> Most services allow for a public sharing option, but that means that anyone with the right link can obtain your files.</li><li>Run <span style=\"font-weight: bold; \">audits on your files</span> to see who is accessing them. If a file is no longer needed, remove it from your cloud system entirely.</li></ul>\r\n<span style=\"font-weight: bold;\">What are the types of file sharing?</span>\r\n<span style=\"font-style: italic;\"><span style=\"font-weight: bold;\">File Transfer Protocol (FTP)</span></span>\r\nFTP was one of the first methods invented for moving data across networks and it remains very popular today thanks to its reliability and efficiency. FTP actions can be run through a command prompt window or a tool with a user interface. All it requires is for you to specify the source file you want to move and the destination where it should be placed.\r\n<ul><li><span style=\"font-weight: bold;\">Great for:</span> Large files, unusual file types, or legacy data.</li><li><span style=\"font-weight: bold;\">Example programs:</span> FileZilla, Telnet, WinSCP.</li></ul>\r\n<span style=\"font-style: italic;\"><span style=\"font-weight: bold;\">Peer to Peer (P2P)</span></span>\r\nThe purpose of a P2P file transfer is to remove the need for a central server that hosts the data. Instead, individual clients connect to a distributed network of peers and complete the file transfers over their own network connections. P2P might eventually be used to create an unstoppable TOR. Whether or not The Onion Router (TOR) is a truly P2P environment depends on many factors, but its popularity in creating a more secure online connection is unquestioned.\r\n<ul><li><span style=\"font-weight: bold;\">Great for:</span> Sharing files with a small group of people, files that are unavailable in public repositories.</li><li><span style=\"font-weight: bold;\">Example programs:</span> Limewire, Gnutella, BearShare.</li></ul>\r\n<span style=\"font-style: italic;\"><span style=\"font-weight: bold;\">Cloud Services</span></span>\r\nWith a cloud file sharing service, one user uploads their data to a central repository and then other users can download the files to their own devices. All data is hosted by a third party provider, although users can specify what types of permission levels to put on the files.\r\n<ul><li><span style=\"font-weight: bold;\">Great for:</span> Fast sharing of files, creating backups of data.</li><li><span style=\"font-weight: bold;\">Example programs:</span> Dropbox, Box, OneDrive, iCloud.</li></ul>\r\n<span style=\"font-style: italic;\"><span style=\"font-weight: bold;\">Email Providers</span></span>\r\nSome people don’t realize that email can actually function as a file transfer system. Every time you attach a document to an outgoing message, you are initiating a transfer of that data over the open internet.\r\n<ul><li><span style=\"font-weight: bold;\">Great for:</span> Small files, data that need explanation.</li><li><span style=\"font-weight: bold;\">Example programs:</span> Gmail, Outlook, Yahoo! Mail.</li></ul>\r\n<span style=\"font-style: italic;\"><span style=\"font-weight: bold;\">Removable Storage</span></span>\r\nWhen no network-based option will fulfill your needs, you can always rely on a physical drive to serve as your file transfer operation. 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