What Is Multifactor Authentication?
Multifactor authentication means requiring two or more methods to verify your identity before you can log in. Instead of just typing a password, MFA might ask for a code sent to your phone, a fingerprint scan, or a security token. This way, even if someone guesses or steals your password, they still can’t access your account without the second verification step.
Why Passwords Alone Aren’t Enough
Passwords are the most common way to secure accounts, but many people use weak or repeated passwords, making it easy for hackers to guess or crack them. Cybercriminals also use tricks like phishing emails to steal passwords. Once they have your password, they can take control of your accounts — leading to identity theft, financial loss, or even blackmail.
How MFA Protects You
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Adds a second layer of defence: Even if your password is compromised, the hacker still needs the second factor to get in.
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Stops common attacks: MFA protects against phishing, keylogging, and other attacks that target passwords.
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Protects your money and data: Especially important for online banking, shopping, and email accounts.
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Simple to use: Most services now offer MFA options, and setup usually takes just a few minutes.
MFA Can Be Tedious But Is Worth It
It’s understandable that using MFA can feel tedious or frustrating at times — having to enter codes or verify your identity repeatedly can interrupt your workflow. However, the consequences of not using MFA are far worse. Without this extra security, a hacker could easily take over your accounts, steal your money, or misuse your personal information. The small inconvenience of MFA pales in comparison to the potential damage caused by account breaches.
Popular MFA Methods
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SMS codes: Receive a one-time code via text message.
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Authenticator apps: Apps like Google Authenticator or Microsoft Authenticator generate codes on your phone.
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Biometric verification: Fingerprints or face recognition on smartphones.
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Hardware tokens: Small physical devices that generate codes.
How to Set Up MFA
Most Australian banks, email providers, and social media platforms offer MFA. Here’s a quick guide to setting it up:
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Check your account security settings for options like “Two-Step Verification” or “Multifactor Authentication.”
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Choose your preferred second factor, such as SMS or an authenticator app.
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Follow the on-screen instructions to link your phone or device.
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Test the setup by logging out and logging back in.
If you’re unsure, websites like Scamwatch and your bank’s support pages provide step-by-step guides.
What to Remember
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Always enable MFA where possible.
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Don’t rely on SMS codes alone for highly sensitive accounts — authenticator apps or biometrics are safer.
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Keep your phone or device secure; losing it can complicate MFA access.
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Regularly update passwords and review your account security settings.
Australian Resources for Cybersecurity Help
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Australian Cyber Security Centre (ACSC) — guides on MFA and online safety.
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Scamwatch — advice on avoiding scams and protecting yourself.
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Your bank’s website — many offer detailed MFA setup instructions.
Final Thoughts
Multifactor authentication is one of the simplest yet most effective tools to keep your online life safe. By adding that extra step, you can significantly reduce the risk of hackers stealing your identity, money, or private information. Yes, it can be a little annoying at times, but taking the time to set up MFA is a small inconvenience that can save you from a lot of trouble. Take a few minutes today to turn on MFA for your important accounts — your future self will thank you.
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