They’re often spoken about in the same breath, but they’re not necessarily the same thing. Multi-factor authentication relies on at least two ways to confirm who you are e.g. a QR code sent by SMS after you’ve entered your username and password. Multi-factor can be more complex and includes anything from SMS, and security questions to a fingerprint scan or details of a recent transaction. If a two-factor authentication is worth your time, it should be enough to protect access on your digital devices – providing you ensure those devices are in the right hands.