The significance of multi-factor authentication (MFA) in terms of online security lies in its ability to enhance protection against unauthorized access. MFA requires users to provide two or more verification factors, which may include something they know (password), something they have (smartphone app), or something they are (biometric data). This additional layer of security minimizes the risk of breaches, making it much harder for attackers to gain access to sensitive information or accounts, thereby ensuring user safety.

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