I implement customer identity and access management for millions of users in financial services, based on requirements driven in part by US federal regulatory and cyber insurance requirements. What’s your experience?
> Email services don't even support true 2FA; many claim to, and ask for a 2FA code for web login, but connecting an email account to a client via POP or IMAP bypasses that.
"In less than a year, passkeys have been used to authenticate people more than 1 billion times across over 400 million Google Accounts. Passkeys are easy to use and phishing resistant, only relying on a fingerprint, face scan or a pin making them 50% faster than passwords. In fact, on a daily basis passkeys are already used for authentication on Google Accounts more often than legacy forms of 2SV, such as SMS one-time passwords (OTPs) and app based OTPs (such as Authenticator apps) combined."
https://blog.google/innovation-and-ai/technology/safety-secu... (April 2024)
Don't forget: Microsoft is killing passwords. How to set up a Microsoft passkey before August deadline. - https://mashable.com/article/microsoft-passkey-how-to-passwo... - June 20th, 2025
(All major email providers support either passkeys, or in the case of Microsoft, passwordless ["strong authentication"]; we can consider the user creating an app specific secret for an external mail client minimal risk if performed after strong authentication has occurred, as the odds are low of that secret being phished or exfiltrated once configured in their mail client of choice, for the few folks interested in such a user experience with web based email services)