What is typically required for two-factor authentication (2FA)?

Study for the BAFT Certificate in Principles of Payments Test. Utilize flashcards and multiple-choice questions, with hints and explanations for each query. Prepare thoroughly for your exam!

Two-factor authentication (2FA) enhances security by requiring two different types of credentials to verify a user's identity. This approach typically involves something the user knows, such as a password, combined with something the user has, like a smartphone or hardware token that generates a unique code. The strength of 2FA lies in its dual requirement; even if one credential is compromised, unauthorized access is still thwarted without the second factor.

In this context, the reference to "two different types of credentials" aligns with the fundamental principle of 2FA, which mandates that different categories of proof must be presented to ensure secure access to accounts or data. This can prevent unauthorized access more effectively than just a username and password alone, making it a critical measure in today's digital security practices.

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