inWebo took a different approach that prevents all 3 common 'flaws' of software+SaaS MFA solutions. We built our authentication algorithms using dynamic and random device credentials. The verification algorithms run within certified HSMs (hardware-security modules) operated in our multi-datacenter infrastructure. From a security standpoint, our solution is equivalent if not better than those 10 years ago. Yet, it also enjoys the flexibility, scalability, and convenience of a software+SaaS solution.
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