Two-factor authentication (2FA) provides an extra layer of protection for providers and users of services, apps, or programs. 2FA verifies a subscriber’s identity by requesting an additional code – on top of their password or other credentials – before they can access a service, by sending a one-time password (OTP) to their phone.

Since users tend to keep their mobile phones with them at all times – and are vigilant about where their phones are – these devices are ideal for ensuring that someone using a password to access a bank account, making a large payment, or trying to view sensitive information is an authorized user.