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Till few years back, we were using only username and passwords to access some of the sensitive accounts such as bank accounts, payments using cards etc. But there was a growing issue with phishing and stealing of accounts information led to huge losses to financial institutions and customers. Hence regulatory bodies and organisations started using two-factor authentication. In two-factor authentication, once you use your normal username and password or your first level of credentials you will get an One-Time-Password (OTP) to confirm the transaction. Typically a OTP is a 6-digits random code. Hence the name 2FA or two-factor authentication. For more details click here