Glossary · M

MFA

Multi-factor authentication requires a user to present two or more independent proofs of identity, such as a password and a code from a device, before access is granted.

Extended definition

In more detail.

MFA stops attackers who have only a password, which is why insurers, customers and frameworks treat it as a baseline for remote access, email and privileged accounts. Conventional methods such as codes and push notifications can be defeated by real-time phishing and push fatigue; phishing-resistant methods such as security keys and passkeys cannot be relayed. MFA on all remote access, all email and all privileged accounts is the usual insurer expectation.

By David Selakovic · Published 2026-10-16 · Revised 2026-10-16 · Reviewed every 180 days

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