White Paper

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.

21+ Years of live monitoring
15M+ Live captures daily
1B+ Users protected

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