<?xml version="1.0" encoding="UTF-8"?><oembed><type>video</type><version>1.0</version><html>&lt;iframe src=&quot;https://www.loom.com/embed/4849574f03ce406784d866fc65a156e3&quot; frameborder=&quot;0&quot; width=&quot;1394&quot; height=&quot;1045&quot; webkitallowfullscreen mozallowfullscreen allowfullscreen&gt;&lt;/iframe&gt;</html><height>1045</height><width>1394</width><provider_name>Loom</provider_name><provider_url>https://www.loom.com</provider_url><thumbnail_height>1045</thumbnail_height><thumbnail_width>1394</thumbnail_width><thumbnail_url>https://cdn.loom.com/sessions/thumbnails/4849574f03ce406784d866fc65a156e3-05975c060bd2d4de.gif</thumbnail_url><duration>199.868</duration><title>What Banks Won’t Tell You About MFA</title><description>This Loom explains that text message based MFA is the weakest option and recommends moving to a stronger authenticator app. It reviews MFA as using two factors, such as a password plus a second item, and ranks second doors as none, text codes, and authenticator apps, with the app considered best. The speaker notes that text codes can be stolen via SIM swapping, while authenticator apps generate fresh codes every 30 seconds on your device without sending or traveling through text messages. The Loom suggests upgrading from nothing to MFA and, if already using text, switching important accounts like email and bank first.</description></oembed>