I've not read either link, but I'm happy enough with a two factor authentication. My bank does that any time I want to vary my automatic payments.
It does give you some form of security.
posted on 18-11-2015 at 22:09
Mega-online retailer Amazon.com just added (the option) of two-factor authentication (AKA multi-factor authentication [MFA]) to log into your Amazon
account. It's been available for some time now for everything from Google, Microsoft and Apple cloud accounts to Evernote and Facebook.