It is an additional layer of security which reconfirms user identity to prevent unauthorized accessed to the system using a stolen password. This security layer makes it harder for an attacker to access user data.

It is to make the hackers’ life harder and reduce the fraud risk.

– Security tokens

– Mobile delivered tokens

– Time based one-time password

– It prevents more than 96% of the bulk phishing attempts and more than 76% of targeted attacks.

– Something you know ( password, PIN, combinations, code word)

– Something you have ( smart card, token, key, smart phones )

– Something you are ( finger print, facial recognition, iris and retina scan )

Yes, it adds additional layer of security. Because it is not possible to guarantee that even the most secured password won’t be compromised due to  due to some attack .

Processes, policies and products to manage user identities and regulate user access in an organization.