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Re:Tell HN: SMS-based two-factor authentication is not secure by UncleMeat on Wednesday June 09, 2021 @01:41PM (#27450803)
TOTP is marginally safer than SMS.

It also comes with large downsides. Security is an economics game. Marginal improvements in security posture are not always worth the cost.

There are a bunch of people who insist that web services should drop SMS completely and demand that all users use TOTP (at least). I question the value of this change given that TOTP only protects you in comparatively rare cases.

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