Multi-Factor Authentication (MFA Meaning)

What Does MFA Stand For?

Multi-factor Authentication (MFA), also known as two-factor authentication (2FA), does not only use a simple username and password combination to authenticate a user but requires two or three types of inputs (Factors) to prove the user’s identity.

Does MFA work? Yes, MFA helps prevent unsanctioned access to sensitive data apps and assists users and organizations in defending against data breaches, cyberattacks, and identity theft.

Businesses use MFA technology to control customer-facing applications, VPN solutions, and internal IT systems. In the consumer industry, healthcare providers, financial services companies, cloud solution providers, insurance companies, and many others use MFA to protect against abuse, fraud, and data leakage. MFA helps strengthen web security cloud security and helps improve the safety of traditional IT infrastructure on the premises.

Rudimentary Username/Password Authentication Structures Have Become Vulnerable

Simple authentication methods that only require a username and password combination have become inherently vulnerable. Knowledgeable attackers can easily steal or guess credentials, thus gaining access to sensitive IT systems and information by using several different techniques. These include:

Man-in-the-middle attack

This type of attack intercepts communications streams over, for example, public Wi-Fi and then replays the credentials.

Credential stuffing

is when leaked or stolen credentials from one account are used to gain access to another account. People tend to use the same username/password combination for multiple accounts.

Brute force

This method uses software to exploit weak passwords like 123456 commonly used or generate random username/password combinations.


When malware is installed on a computer, Keylogging captures keystrokes used to enter username/password combinations.


This method employs bogus text messages or emails to trick victims into providing their credentials.

An Added Layer of Security Is Provided By The Multi-Factor Authentication Method

MFA helps protect users and companies against these common attacks by requesting two or more different kinds of authentication rather than only a simple username and password combination.

The following are commonly used authentication factors:

Possession factors

something a user has like a proximity badge or mobile device

Knowledge factors

something a user knows, like an answer to a security question or secure dictionary word

Location factors

a user’s geographic location

● Inherence factors

something unique to a user, like biometric characteristics such as facial recognition or a fingerprint

A user must present two distinct forms of evidence to log on, confirming their identity with multi-factor authentication. This may, for example, be something they possess and know. This means that even if cyber criminals obtain a username/password (knowledge factors), they will still not access the account without another type of evidence such as a security code sent to the user’s mobile device (possession factors).

Some examples of Multi-factor factors include:

● A code sent as an email or SMS message

● Username and password

● Software token or certificate

● Proximity badge, physical token, or USB device

● retina scanning, facial recognition, or fingerprint

● Answer to a personal security question

Adaptive MFA Aligns Authentication Factors with Risks to Gain Access, Improves User Experiences

The most modern multi-factor authentication solutions use adaptive authentication methods via a combination of machine learning and artificial intelligence, employing business rules and contextual information (time of day, locations, device types, IP addresses, etc.) to determine which authentication factors to use for a specific user in a particular situation. A customer accessing their online banking site on the web from their trusted home computer may, for example, be able to use only their username and password to log on. However, if they want to access their online account from a different location, the user may also have to provide a short-lived, one-time code sent to their mobile phone.

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