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Two-factor authentication (2FA) is not as secure as many believe. With usernames and passwords often found on the dark web, people rely on 2FA to verify their identity. The simplest form of 2FA, email confirmation of a one-time password (OTP), provides minimal security since compromised email accounts can easily be accessed. While the concept of OTPs is sound, using email for this purpose is ineffective. A better alternative is SMS-based verification, as accessing someone's text messages typically requires their physical phone or cloning it. However, scammers can exploit vulnerabilities by convincing cellular providers to activate new SIM cards through social engineering.
