We're still in that muzzy confusing stage of things where we can see pretty clearly that we won't be using passwords in the future but where it's not exactly clear how we'll do it. Things like Microsoft Authenticator are fine if you want to lock yourself into a single-account Microsoft world, but I can say from experience that it gets very complicated if you depart from that basic model. But it will get simpler. Anyhow, the real value of this article is the diagram about half way through illustrating WebAuthn sign-in. What we need now is for us to be able to choose anything (and not just brand-name apps) to verify our logins, and to make them simple to use. Like passwords, but with things.
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