Multi-Factor Authentication Options

This question asks what extra security layers you offer beyond passwords when companies aren't using SSO. Multi-factor authentication (MFA) requires users to prove their identity with something they know (password) plus something they have (phone app, hardware token) or are (fingerprint). It's like requiring both a key and a code to open a safe - even if someone steals the key, they still can't get in without the code.

MFA reduces account compromise risk by 99.9% according to Microsoft. It's mandatory for cyber insurance, increasingly required by regulations, and expected by security-conscious customers. Without MFA, a single compromised password can lead to massive data breaches costing millions. Supporting multiple MFA methods (SMS, authenticator apps, hardware tokens) accommodates different security requirements and user preferences. This capability often determines whether you pass initial security assessments for enterprise deals.

Relying solely on SMS for MFA is increasingly seen as insecure due to SIM swapping attacks - enterprises prefer authenticator apps or hardware tokens. Another mistake is making MFA optional rather than enforceable by administrators, failing compliance requirements. Many implementations also don't handle backup codes or account recovery properly, leading to locked-out users and support nightmares.