In today’s world, with an increased number of mobile users, the traditional user login method using a simple username and password is not secure enough anymore and poses a high risk to the security of sensitive data. Two-factor authentication reduces such risk by introducing the dynamic password generated using industry-standard event-based or time-based algorithms (HOTP & TOTP). The mPass mobile app provides multi-factor authentication and provides an additional layer of protection from cybersecurity breaches.