When using online internet banking, I have to use my 6 digit pin and a password to authenticate into the system. There is no hardware token used in this example. Is this considered as 2 Factor Authentication?

  • sorry.. i used a bad example. Should be Internet banking without using token Apr 17, 2018 at 10:54
  • The more interesting question is, which banking site uses a PIN for online banking only?
    – eckes
    Apr 19, 2018 at 2:11

1 Answer 1


Short: No

Two-factor authentication refers specifically and exclusively to authentication mechanisms where the two authentication elements fall under different categories with respect to "something you have", "something you are", and "something you know".

This only uses "something you know"

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