Usernames and passwords are the first line of defense for your online accounts. However, against brute-force attacks, data breaches, sophisticated phishing, and now AI-based automated attacks, they are often far from sufficient. 

In response to modern cyber threats, many online companies and services have implemented two-factor or multi-factor authentication (2FA/MFA) and passwordless authentication, which make it more difficult to compromise an account. 

However, if you need to go further, a security key is your best bet