There's some good news, according to Oberheide. "In an environment where firewalls are becoming increasingly irrelevant (what does "on-premise" mean to a small company in an IT world of cloud and mobile) and endpoint antivirus efficacy is laughable, two-factor authentication is becoming the go-to security technology for organizations of all sizes." Thanks to initiatives like FIDO, and emerging two-factor authentication systems that are simpler and less expensive, two-factor authentication is gaining momentum.
Companies and individuals should utilize two-factor authentication everywhere it's possible or offered. It's only a matter of time until a username and password is compromised, but as long as the attacker doesn't also have the mobile phone or fingerprint that goes with those credentials, the data will still be safe.
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