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Multi-factor authentication: the single control that stops most account takeovers

Stolen and reused passwords are behind a large share of breaches. MFA makes a stolen password far less useful. Here is which kinds to use and where.

IDX·October 19, 2026·2 min read

Passwords leak. They are reused across sites, captured by phishing pages and sold in bulk after unrelated breaches. Multi-factor authentication (MFA) adds a second proof of identity, so a stolen password alone is not enough to log in.

Not all MFA is equal

From strongest to weakest:

  • Phishing-resistant methods: hardware security keys and passkeys (FIDO2/WebAuthn). They are bound to the real website, so a fake login page cannot use them. The best choice for administrators and finance teams.
  • Authenticator apps with time-based codes (TOTP), or push approvals with number matching. Strong and free, but a determined phishing page can still relay a code in real time.
  • SMS codes. Far better than nothing, but vulnerable to SIM swapping and interception. Use only where nothing else is supported.

Where to turn it on first

  1. Email. Whoever controls email can reset almost every other password.
  2. Domain registrar and DNS. An attacker who changes your DNS controls your website and your mail.
  3. Hosting control panels, server access and cloud consoles.
  4. Banking, payment gateways and accounting systems.
  5. Remote access: VPN, remote desktop, SSH (use keys plus MFA where possible).
  6. Everything else that supports it.

Making it stick

  • Enforce it, do not just offer it. Optional MFA is enabled by the people who need it least.
  • Register at least two methods per person, so a lost phone is not a lockout.
  • Store recovery codes securely, not in the same inbox they protect.
  • Watch for MFA fatigue attacks: repeated push prompts sent in the hope that a tired user approves one. Number matching prevents most of them.

How IDX helps

We recommend turning on two-factor authentication wherever your accounts support it, starting with email, your domain registrar and your hosting control panel. For servers we manage, our team sets up key-based SSH access and keeps management interfaces off the public internet.

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