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Two-factor authentication (2FA) may not be as secure as assumed, especially since usernames and passwords are often available on the dark web. Although 2FA aims to confirm user identity, the lowest form—email confirmation of a one-time password (OTP)—provides minimal improvement over no authentication, as compromised email access is common. While SMS-based 2FA is an improvement, as it requires physical access to the phone or SIM cloning, it is still vulnerable. Scammers can contact cellular providers and, after answering security questions, can activate a new SIM card to gain access. Thus, both email and SMS methods have significant security flaws.
