Multi-factor authentication is a method in the field of identity verification. Here, a user must provide two or more supporting proofs or factors to log into their account and make a transaction. The information requested must come from different areas: a knowledge factor (something the user knows, such as their password), a possession factor (something the user owns, such as a code sent to the smartphone), or an intrinsic factor (something intrinsic, such as a fingerprint).

This type of authentication increases the security of user accounts and makes it more difficult for fraudsters to carry out account takeovers. If you have not yet implemented a multi-factor authentication in your online shop, you should therefore think about an implementation to protect your customers’ accounts even better. A common implementation of multi-factor authentication is, for example, 3-D-Secure.

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