There Is No Silver Bullet: User Credentials Are Not Secured With 2FA Alone
A Fraud Practice white paper on what two-factor authentication does and does not protect.
What this white paper covers:
- The myths, named
"Consumers are okay with 2FA." "2FA means user accounts are fully secure." "Credential stuffing attacks stop if you implement 2FA." Each examined against the evidence.
- What 2FA actually defends
Where the control is genuinely effective, and the specific attack paths that route around it entirely.
- The friction cost
What additional authentication does to conversion and abandonment, and how that shapes where it is worth applying.
- What belongs alongside it
Why credential screening and 2FA address different halves of the problem.
