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6. Multi-factor authentication will become the standard for all online transactions
Though far from a perfect solution, most websites and online services will abandon password-only access and offer additional required or optional authentication methods. For a while, the different forms of multi-factor authentication will likely confuse and frustrate users.

“Only using a password to authenticate is increasingly leaving us open to phishing and other attacks,” says Bradley. “But the fact that all the vendors are implementing different systems to authenticate means I'm being driven slightly crazy with all of the two-factor authentications I'm having to manage. It won't be better until a more standardized process is settled on.”

Those standards, at least on the vendor side, are on the way. “With FIDO2 browser enhancements and the Duo/Cisco acquisition, it could tip the scales. Expect to see more innovation here in the coming year that makes it easier and more compelling to use MFA than not to,” says Strom.

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