{"id":1811,"date":"2025-02-10T17:57:18","date_gmt":"2025-02-10T17:57:18","guid":{"rendered":"https:\/\/idlayr.com\/?p=1811"},"modified":"2025-10-08T08:38:11","modified_gmt":"2025-10-08T08:38:11","slug":"hemos-alcanzado-el-mfa-maximo-cual-es-la-alternativa","status":"publish","type":"post","link":"https:\/\/idlayr.com\/es\/blog\/hemos-alcanzado-el-mfa-maximo-cual-es-la-alternativa\/","title":{"rendered":"Hemos alcanzado el \"AMF m\u00e1ximo\": \u00bfcu\u00e1l es la alternativa?"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">La autenticaci\u00f3n multifactor (AMF) se utiliza desde hace unos 20 a\u00f1os y ha evolucionado como una soluci\u00f3n l\u00f3gica para reducir la amenaza de ciberataques y fraudes en l\u00ednea. Pero a medida que la tecnolog\u00eda ha evolucionado, tambi\u00e9n lo ha hecho la sofisticaci\u00f3n de los ciberdelincuentes, lo que ha provocado que las soluciones MFA existentes ya no sean eficaces.\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">El paradigma actual de la seguridad consiste en imponer a los usuarios niveles cada vez m\u00e1s complejos de seguridad, pero los consumidores y los empleados ya est\u00e1n hartos de navegar por un sinf\u00edn de requisitos para intentar mejorar la seguridad en l\u00ednea. No deber\u00eda ser la seguridad algo que \"simplemente funcione\"?<\/span><\/p>\n<p>&nbsp;<\/p>\n<h3>Vivimos en un mundo que da prioridad al m\u00f3vil<\/h3>\n<p><span style=\"font-weight: 400;\">Como se predijo, ahora hay m\u00e1s gente con acceso a un smartphone que a agua corriente. La mayor\u00eda de las soluciones de AMF se crearon para un mundo de escritorio con poco fraude, pero ahora vivimos en un mundo mobile-first donde el fraude se ha industrializado.\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">La ciberdelincuencia se est\u00e1 disparando (ahora impulsada por la IA), y los usuarios est\u00e1n hartos de las crecientes molestias y complejidad: han alcanzado efectivamente el \"m\u00e1ximo de AMF\" y las empresas ya no pueden permitirse los costes y la demanda de recursos de este modelo ineficiente.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">Para los mercados que dan prioridad al m\u00f3vil y para las empresas que ya dependen en gran medida del m\u00f3vil (para aplicaciones de clientes o empleados remotos), se necesita un nuevo paradigma de seguridad. Un paradigma que sea nativo y que elimine al usuario de la ecuaci\u00f3n de la seguridad.<\/span><\/p>\n<p>&nbsp;<\/p>\n<h3>Las m\u00faltiples formas de requisitos de AMF impuestos a los usuarios<\/h3>\n<p><span style=\"font-weight: 400;\">A lo largo de los a\u00f1os, los consumidores y empleados de sectores tan diversos como la banca, el comercio electr\u00f3nico o la sanidad se han visto sometidos a <a href=\"https:\/\/en.wikipedia.org\/wiki\/Multi-factor_authentication\" target=\"_blank\" rel=\"noopener\">AMF<\/a> en muchas formas, y sirven como un duro recordatorio de c\u00f3mo la complejidad de la seguridad se ha cargado sobre los usuarios, creando fricci\u00f3n y una experiencia de usuario fragmentada.<\/span><\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li style=\"font-weight: 400;\"><b>Cuestiones de seguridad:<\/b><span style=\"font-weight: 400;\"><span style=\"font-weight: 400;\"><span style=\"font-weight: 400;\"> preguntas y respuestas elegidas normalmente por el usuario, que pueden ser muy exclusivas pero son factores de conocimiento propensos a ser olvidados y susceptibles de ataques de suplantaci\u00f3n de identidad.<\/span><\/span><\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<ul>\n<li style=\"font-weight: 400;\"><b>Contrase\u00f1a de un solo uso (OTP) por SMS<\/b>: la forma m\u00e1s utilizada hoy en d\u00eda, pero utiliza un protocolo de mensajer\u00eda que nunca se dise\u00f1\u00f3 para la seguridad - y est\u00e1 abierto a <a href=\"https:\/\/idlayr.com\/es\/blog\/sms-otp-2fa-fraude\/\">Fraude en el intercambio de SIM<\/a> (Man in the Middle Attacks), phishing, as\u00ed como elevados costes operativos y una mala experiencia de usuario.<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<ul>\n<li style=\"font-weight: 400;\"><b>Contrase\u00f1a de un solo uso basada en el tiempo (TOTP):<\/b><span style=\"font-weight: 400;\"><span style=\"font-weight: 400;\"> normalmente obliga a los usuarios a descargar software adicional, como una aplicaci\u00f3n de autenticaci\u00f3n, lo que crea una experiencia de usuario fragmentada, y no es inmune al phishing o al malware.<\/span><\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<ul>\n<li style=\"font-weight: 400;\"><b>Llaves de seguridad de hardware:<\/b><span style=\"font-weight: 400;\"><span style=\"font-weight: 400;\"> Los dispositivos f\u00edsicos, como los llaveros USB, no son susceptibles de ataques en l\u00ednea, pero pueden perderse o ser robados, y su uso resulta complicado.<\/span><\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"wp-image-1846 size-full aligncenter\" src=\"https:\/\/idlayr.com\/wp-content\/uploads\/2025\/02\/mfa2.jpg\" alt=\"T\u00e9cnicas de AMF utilizadas por los bancos\" width=\"800\" height=\"283\" srcset=\"https:\/\/idlayr.com\/wp-content\/uploads\/2025\/02\/mfa2.jpg 800w, https:\/\/idlayr.com\/wp-content\/uploads\/2025\/02\/mfa2-300x106.jpg 300w, https:\/\/idlayr.com\/wp-content\/uploads\/2025\/02\/mfa2-768x272.jpg 768w, https:\/\/idlayr.com\/wp-content\/uploads\/2025\/02\/mfa2-18x6.jpg 18w\" sizes=\"auto, (max-width: 800px) 100vw, 800px\" \/><\/p>\n<p style=\"text-align: center;\"><small> Barclays PIN Sentry (lector de tarjetas) e instrucciones para acceder a una cuenta bancaria utilizando una tarjeta de red<\/small><\/p>\n<div><\/div>\n<p>&nbsp;<\/p>\n<ul>\n<li style=\"font-weight: 400;\"><b>Lectores de tarjetas:<\/b><span style=\"font-weight: 400;\"><span style=\"font-weight: 400;\"> Muy utilizados por los bancos en la d\u00e9cada de 2010, estos aparatos son otro sello distintivo de la era de los ordenadores de sobremesa. Afortunadamente, ahora la mayor\u00eda de estos dispositivos se encuentran en el fondo de un caj\u00f3n del escritorio.<\/span><\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<ul>\n<li style=\"font-weight: 400;\"><b>Tarjetas de cuadr\u00edcula:<\/b><span style=\"font-weight: 400;\"><span style=\"font-weight: 400;\"> desafiar a los clientes para que introdujeran un c\u00f3digo era, en efecto, una prueba de paciencia... otro m\u00e9todo torpe que, aunque rentable para un banco, creaba un nuevo m\u00ednimo en t\u00e9rminos de experiencia del usuario.<\/span><\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<ul>\n<li style=\"font-weight: 400;\"><b>Autenticaci\u00f3n biom\u00e9trica:<\/b><span style=\"font-weight: 400;\"> Aunque ahora est\u00e1 sujeta a las \u00faltimas amenazas de las deepfakes de IA y otras t\u00e9cnicas de IA adversarias, la autenticaci\u00f3n biom\u00e9trica junto con un factor basado en la posesi\u00f3n (por ejemplo, un tel\u00e9fono m\u00f3vil) proporciona una s\u00f3lida capa de seguridad.<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">En un mundo en el que el m\u00f3vil se est\u00e1 convirtiendo cada vez m\u00e1s en el principal dispositivo inform\u00e1tico, para mantener contentos a sus usuarios, la verificaci\u00f3n de su identidad en l\u00ednea debe ser fluida, adem\u00e1s de segura.\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<h3>Presentaci\u00f3n de Mobile Identity<\/h3>\n<p><span style=\"font-weight: 400;\">La alternativa consiste en a\u00f1adir una capa de identidad m\u00f3vil: seguridad del factor de posesi\u00f3n basada en hardware que sea totalmente invisible para el usuario.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">Mobile Identity utiliza el n\u00famero de m\u00f3vil como credencial de identificaci\u00f3n, que se autentica utilizando el factor de posesi\u00f3n de hardware criptogr\u00e1ficamente seguro que est\u00e1 implantado en todos los tel\u00e9fonos m\u00f3viles: la tarjeta SIM. Es f\u00e1cil para el usuario y no requiere hardware.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">Mobile Identity crea un v\u00ednculo seguro y resistente al phishing entre la credencial de identidad del usuario y el dispositivo m\u00f3vil, sin necesidad de c\u00f3digos PIN enviados por correo electr\u00f3nico o SMS. La credencial de identidad m\u00f3vil se autentica utilizando el factor de seguridad de posesi\u00f3n m\u00f3vil integrado. Esta tecnolog\u00eda es esencial para el funcionamiento de las redes m\u00f3viles, utiliza criptograf\u00eda avanzada que ya est\u00e1 implantada en m\u00e1s de 5.000 millones de tel\u00e9fonos m\u00f3viles y es completamente invisible para el usuario.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">Para m\u00e1s informaci\u00f3n, <\/span><a href=\"https:\/\/idlayr.com\/es\/libro-demo\/\"><span style=\"font-weight: 400;\">programar una demostraci\u00f3n<\/span><\/a><span style=\"font-weight: 400;\"> con nuestro equipo y descubra c\u00f3mo podemos ayudarle a adoptar una soluci\u00f3n basada en la identidad m\u00f3vil.<\/span><\/p>","protected":false},"excerpt":{"rendered":"<p>Multi-Factor Authentication (MFA) has been in use for around 20 years and evolved as a logical solution in reducing the threat of cyberattacks and online fraud. But as technology has evolved, so has the sophistication of cybercriminals, resulting in existing MFA solutions no longer being effective.\u00a0 &nbsp; The current security paradigm involves layering increasing levels [&hellip;]<\/p>\n","protected":false},"author":16,"featured_media":1976,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[5,61],"tags":[],"class_list":["post-1811","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-authentication","category-ux"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.6 (Yoast SEO v28.4) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>We have reached \u201cmax MFA\u201d - what is the alternative? - IDlayr<\/title>\n<meta name=\"description\" content=\"Consumers and employees have had enough of navigating through increasing layers of multi-factor authentication - what&#039;s the alternative?\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/idlayr.com\/es\/blog\/hemos-alcanzado-el-mfa-maximo-cual-es-la-alternativa\/\" \/>\n<meta property=\"og:locale\" content=\"es_MX\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"We have reached \u201cmax MFA\u201d - what is the alternative?\" \/>\n<meta property=\"og:description\" content=\"Consumers and employees have had enough of navigating through increasing layers of multi-factor authentication - what&#039;s the alternative?\" \/>\n<meta property=\"og:url\" content=\"https:\/\/idlayr.com\/es\/blog\/hemos-alcanzado-el-mfa-maximo-cual-es-la-alternativa\/\" \/>\n<meta property=\"og:site_name\" content=\"IDlayr\" \/>\n<meta property=\"article:published_time\" content=\"2025-02-10T17:57:18+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-10-08T08:38:11+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/idlayr.com\/wp-content\/uploads\/2025\/02\/mfa-1.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1024\" \/>\n\t<meta property=\"og:image:height\" content=\"576\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Paul McGuire\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@theidlayr\" \/>\n<meta name=\"twitter:site\" content=\"@theidlayr\" \/>\n<meta name=\"twitter:label1\" content=\"Escrito por\" \/>\n\t<meta name=\"twitter:data1\" content=\"Paul McGuire\" \/>\n\t<meta name=\"twitter:label2\" content=\"Tiempo de lectura\" \/>\n\t<meta name=\"twitter:data2\" content=\"4 minutos\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/idlayr.com\\\/blog\\\/we-have-reached-max-mfa-what-is-the-alternative\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/idlayr.com\\\/blog\\\/we-have-reached-max-mfa-what-is-the-alternative\\\/\"},\"author\":{\"name\":\"Paul McGuire\",\"@id\":\"https:\\\/\\\/idlayr.com\\\/#\\\/schema\\\/person\\\/2e2005b12b1c34d317856764476870e9\"},\"headline\":\"We have reached \u201cmax MFA\u201d &#8211; what is the alternative?\",\"datePublished\":\"2025-02-10T17:57:18+00:00\",\"dateModified\":\"2025-10-08T08:38:11+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/idlayr.com\\\/blog\\\/we-have-reached-max-mfa-what-is-the-alternative\\\/\"},\"wordCount\":720,\"publisher\":{\"@id\":\"https:\\\/\\\/idlayr.com\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/idlayr.com\\\/blog\\\/we-have-reached-max-mfa-what-is-the-alternative\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/idlayr.com\\\/wp-content\\\/uploads\\\/2025\\\/02\\\/mfa-1.jpg\",\"articleSection\":[\"Authentication\",\"UX\"],\"inLanguage\":\"es\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/idlayr.com\\\/blog\\\/we-have-reached-max-mfa-what-is-the-alternative\\\/\",\"url\":\"https:\\\/\\\/idlayr.com\\\/blog\\\/we-have-reached-max-mfa-what-is-the-alternative\\\/\",\"name\":\"We have reached \u201cmax MFA\u201d - what is the alternative? 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