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Two-factor authentication (2FA) may not be as secure as perceived, particularly because usernames and passwords are often compromised and available on the dark web. Although 2FA aims to verify user identity, the lowest form—email confirmation of a one-time password (OTP)—is only marginally better than having no 2FA. Since email accounts can be easily accessed if someone has your login credentials, the security provided is minimal. A more effective method is using text message (SMS) for OTPs, as it requires physical access to the phone. However, this method is also vulnerable; scammers can potentially clone phones or deceive cellular providers into swapping SIM cards by answering security questions.
