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More and more often hackers target major online services, web shops and email providers. The latest big target for hackers was the website for cheaters; "Ashley Madison".
TFA is working when two out of three are used correctly.
If you're going to withdraw money you need two things: A debit card and your PIN. Your debit card is something you have, your PIN is something that you know. With this combination you get access to your bank account. If someone has your card, but he or she doesn’t know the correct PIN, then it stops right there. The other way around is identical, while there is a list online of all PINs, but having no corresponding debit card will not get you far.
More and more web services uses Two Factor Authentication in order to secure access. They use an SMS verification code or a smartphone app to generate the additional code that you must enter. The most used app is Google Authenticator, others are AlterEgo and Authie. Although it’s more common for businesses to use SMS.
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