Ключевые слова: access, attack, authentication, banking, business, code, computer, connection, crime, cyber, cyberspace, data, datum, digital, encryption, factor, firewall, fraud, hacker, id, identification, identity, information, key, lock, login, mobile, multi, network, online, otp, password, personal, phone, pin, privacy, protect, protection, safe, safety, screen, secure, security, smartphone, technology, two, user, verification, web,