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Two-factor authentication is not as secure as believed. Usernames and passwords are available on the dark web, so reliance on 2FA is common. The lowest form of 2FA is email confirmation OTP, slightly better than nothing. SMS OTP is more secure as it requires physical access to the phone. Scammers can try to clone the phone to access text messages. Users can call their cellular provider to activate a new SIM card after answering security questions.
