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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. New technology and hacking techniques combined with the limited pool of passwords most people use for multiple accounts increases vulnerability.\r\n<span style=\"font-weight: bold;\">How does MFA work?</span>\r\nMulti-factor authentication throws a few roadblocks in the hacker's pathway. Location factors are one way for a security system to identify a person's identity. For example, work schedules and location can determine whether a user is who he says he is. Time is another example of a security layer. If a person uses his phone at a job in the US, it is physically impossible for him to use it again from Europe 15 minutes later. These are especially helpful in online bank fraud and, by extension, mortgage company fraud.","iconURL":"https://old.roi4cio.com/fileadmin/user_upload/icon_Multi-factor_authentication.png"}],"characteristics":[],"concurentProducts":[],"jobRoles":[],"organizationalFeatures":[],"complementaryCategories":[],"solutions":[],"materials":[],"useCases":[],"best_practices":[],"values":[],"implementations":[]}],"suppliedProducts":[],"partnershipProgramme":null}},"aliases":{},"links":{},"meta":{},"loading":false,"error":null},"implementations":{"implementationsByAlias":{},"aliases":{},"links":{},"meta":{},"loading":false,"error":null},"agreements":{"agreementById":{},"ids":{},"links":{},"meta":{},"loading":false,"error":null},"comparison":{"loading":false,"error":false,"templatesById":{},"comparisonByTemplateId":{},"products":[],"selectedTemplateId":null},"presentation":{"type":null,"company":{},"products":[],"partners":[],"formData":{},"dataLoading":false,"dataError":false,"loading":false,"error":false},"catalogsGlobal":{"subMenuItemTitle":""}}