Many, many, many businesses now use the MFA (Microsoft Authenticator) app for work.
(Some people use Duo, but most use MFA.)
The app is designed to initiate an extra security code so that you can log into your work - particularly if you have a VPN.
However, as mentioned, I dropped my iPhone in water (mountain stream) in Gatlinburg.
Here's the issue with that ...Thus, your only option is to either buy a new phone immediate or use an alternate cell phone or borrow one (which defeats the whole purpose of extra security.)
There were no local service provider locations in Gatlinburg, so I had to order a new phone online to ship to my home, arriving today.
If you cannot log in to your work/school's security sign in info at all because you need to authenticate, call your work/school's IT department and they will change it.
But here's the issue with using someone else's phone ...
The latest MFA app version will only install if you have IOS 16 or higher - so iPhones 7, 8, and 9 are automatically unable to install the apps.
(This is the situation we are in, so I'm awaiting for my new phone to arrive so I can work.)
So if your phone is damaged/lost/stolen, you have to use someone else's phone - which is a bit concerning for security and defeats the whole purpose of authentication security, right?
Guess Apple wants you to buy a new phone first ...
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