A consumer application must be easy to access to attract and retain its users. Relying on social networks and their federated solutions is a good starting point. A simple password will be enough to complete the possibilities.
limit your users on the creativity of their password. My advice is to promote the passphrase , easier to remember and often more difficult to guess by a machine. For example "Santiano 18 knots 400 tons" is very easy to remember.>
A management application will impose a higher level as it handles sensitive data (health, banking). For the general public, an authenticator on a mobile phone is recommended.
In a professional environment, the cost burden of multi-factor authentication australia telegram data (smart card, token, biometrics) is reduced in the face of the benefits of better protection. The population is limited, allowing for control over distribution and training. The risk reduction is significant.
Of course, no security solution will ever protect you completely. But a safe is not suitable for toys, and a toy box will not protect your gold bars. That is why I can only encourage you to analyze your situation carefully.
Who is the target audience?
How sensitive is the data?
What impact in the event of identity theft?
How to detect fraudulent use?
How to react in the event of an alert?
Clearly stating the problem and calmly analyzing the associated risks is a decisive phase in finding the solution adapted to your needs.