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What’s Two-Factor Authentication?

Do you know what is Two-Factor Authentication? We keep hearing this term everywhere but why is it being used. The biggest benefit is that it helps deter phishing and identify theft. It’s defined as a multi level identification process that allows a customer access to important information only after they prove their identity in these two categories; possession (something they have) and knowledge (something they know).

How does it work? The first step is logging in with an account number and password from a private computer or other secure device; this step would be possession. The second step occurs when you enter the PIN; the second step is knowledge. So the next time this is mentioned, now you know!

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