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MFA

Multi-Factor Authentication. Requiring two or more factors from distinct categories: something you know (password), something you have (token), something you are (biometric). Not all MFA is equal, TOTP and SMS are phishable, FIDO2 is not.

The word MFA now covers methods with a security gap of several orders of magnitude, which is why policies that just say "require MFA" keep failing. SMS codes, app-generated codes, and push approvals are all relayed by commodity phishing kits in real time. Origin-bound credentials are not. When you write a policy or a compliance control, name the method class, not the acronym.

See also: phishing-resistant MFA, passkey, AAL, MFA vendors

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