Retinal scans. Face recognition. Fingerprint scanners. Spoken phrases. Randomized pins. Those cool full-body laser scanners from the movies. Science fiction has correctly predicted many aspects of how we live in the digital age, including the rise of security practices involving more than one sort of security test or “factor,” called Multi-Factor Authentication (MFA). And while those full-body scanners are still a few years away (and honestly more cool than they are efficient) even our mobile phones now integrate fingerprint scanners and require more than one means of logging in. As criminals get more creative, security must compensate, and soon everything from online games to mobile banking will depend on MFA to ensure even a baseline level of protection.