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Authentication
6 min·Updated 15 January 2026

Setting up MFA correctly — Passkeys, FIDO2, Authenticator

MFA is mandatory today — but not all MFA is equally secure. Passkeys beat TOTP beat SMS. We explain how to migrate.

Why this matters

Multi-factor authentication is the single most effective protection against account takeovers. Studies from Google and Microsoft confirm: MFA prevents more than 99% of automated attacks. But not all MFA methods are equally strong.

The uncomfortable truth: SMS OTP is weak MFA. SIM-swapping attacks, SS7 protocol vulnerabilities, and real-time phishing proxies make SMS codes the least secure second factor. Yet many organisations use SMS because it is simple to implement.

The security spectrum looks like this: SMS < email OTP < TOTP (authenticator app) < push notifications (with number matching) < hardware tokens < FIDO2/Passkeys. Phishing-resistant MFA starts at FIDO2.

How to do it right

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Enable passkeys wherever possible

Google, Apple, Microsoft, and many other services support passkeys. Enable these first — they are phishing-resistant by design, as the cryptographic key is bound to the domain.

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If no passkey: hardware token

YubiKey (5 Series) or Google Titan Key provide FIDO2 protection at hardware level. For privileged accounts (admin, finance, management), hardware tokens are the best option.

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If no hardware token: authenticator app

Microsoft Authenticator, Google Authenticator, or Authy generate TOTP codes locally on your device — better than SMS. Important: store backup codes securely.

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Enable number matching for push MFA

If you use push notifications (Microsoft Authenticator, Duo): enable number matching. The app shows a number that the user must type from the login screen — preventing blind MFA fatigue attacks.

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Migrate SMS MFA gradually

Systematically migrate SMS MFA users to authenticator apps. Create a simple step-by-step guide and communicate the change in advance.

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Secure recovery options

Print backup codes for every MFA-protected service and store them physically in a secure location — not in your email inbox. For organisations: store backup codes in the security team's password manager.

Tools we recommend

  • YubiKey 5 Series — gold standard for hardware FIDO2; supports USB-A, USB-C, NFC; for privileged accounts and high-security users
  • Apple Passkeys — integrated in iCloud Keychain; seamless within the Apple ecosystem; phishing-resistant
  • Google Passkeys — in Google Password Manager or Android; for Android-first organisations
  • Microsoft Authenticator — well-integrated with number matching and passwordless login in Microsoft environments
  • Authy — good TOTP app with encrypted cloud backup; better than Google Authenticator when device changes are frequent

If you only remember one thing

MFA is no longer a luxury — it is a legal requirement under NIS2, ISO 27001, and for many regulated industries. Enable MFA on all business accounts, starting with privileged ones.

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Prioritise by account risk

Start with admin accounts, finance systems, and email (because whoever controls your email can take over all other accounts via 'forgot password'). Then all other services — most support TOTP or passkeys.

Ready to take awareness seriously?

30-minute demo. We'll show you a real phishing campaign, a quarterly report, and the NIS2 mapping — for your industry.