Passkeys, a new authentication method, aim to replace traditional passwords

Visualize how passkeys, which rely on asymmetric cryptography to authenticate users, work

After using biometrics or a PIN to access the private key stored on a device, it is combined with a random number generated by the site to produce a cryptographic signature. This signature is verified using the site's public key, allowing a user to log in without entering a password. This reduces the risk of fraudulent messages—phishing attacks—and data breaches.

In recent years, NIST has suggested that passwords no longer be created using a mix of symbols, numbers, and capital and lowercase letters, as was once recommended.

How hash functions encrypt stored passwords and can be enhanced with 'salt'

Hash functions convert text into unique, random sets of characters, a process that is computationally expensive and time-consuming to undo. Because hashed outputs for many common passwords are publicly listed, some sites use a salt—additional characters appended to a password—before hashing to produce an output that is not known. When entering a password, it is salted and hashed, then checked against the database for a matching hash before permitting login.

View a list of the 25 most common passwords according to an analysis of 2.5 terabytes of public data breaches.

Digital passports allow identity verification to be digitized

By scanning the security chip on the back of passports and capturing images or video of a person, apps like Google Wallet and Apple Wallet create a digital version of the document. Some states have also developed their own apps for digital driver's licenses.

Understanding the Diffie-Hellman key exchange, an example of public key cryptography

Published in 1976 by Whitfield Diffie and Martin Hellman, the system involves two parties combining each of their unique private keys with a public key using a mathematical function. The combinations are exchanged and mixed to establish a common key that no third party can determine. The Diffie-Hellman system underlies many encryption protocols for internet traffic.

Microchips in payment cards improve security by generating unique transaction codes

Magnetic strips store unchanging data that is easily cloned, but microchips act as miniature computers that encrypt sensitive data. They also resist fraud by creating data unique to each transaction, preventing duplication.

Although there are 10,000 possible combinations of four-digit personal identification numbers, data suggests that about 27% of all PINs are one of 20 combinations, including 1234, 1111, and 0000.

On credit and debit cards, magnetic stripes have been slowly replaced by microchips that use dynamic, encrypted data to prevent card cloning and counterfeit fraud.

A mathematical breakdown of how RSA encryption uses prime numbers to encrypt data

This form of asymmetric cryptography uses mathematical functions that rely on the product of two large prime numbers. Because traditional computers struggle to factor such products, obtaining the private keys needed to decrypt messages becomes effectively impossible. This security can be reinforced with larger prime numbers, though this makes encryption more computationally taxing.

Claude Shannon, for whom Anthropic's AI tools are named, proved the existence of an unbreakable cipher

In the one-time pad approach, the encryption key is randomly generated and of equal length to the plaintext. This randomness ensures that every possible plaintext is equally likely—RBBHN can mean HELLO, SOLVE, CODES, and so on, using a different key—while matching the message and key lengths prevents the appearance of patterns that can be exploited.

How quantum computers can empower Shor's algorithm to break digital encryption

Secure communications largely rely on numeric keys generated by multiplying two enormous prime numbers together, and it is computationally impractical to determine these primes by trying to divide by every possible one. While Shor's algorithm can provide better guesses for this brute-force approach, it relies on a number that is difficult to determine on classical computers but much easier to calculate using the simultaneous computations enabled by quantum superposition.

Paper boarding passes have become rarer in recent years

Many travelers have shared their attachment to the documents as their utility fades. This sharply illustrated timeline reviews the development of the paper boarding pass as technology evolved.

How end-to-end encryption protects messages, even from service providers

Using symmetric and asymmetric cryptography, data is encrypted on the sender's device before being transmitted across application servers that lack the key needed to decrypt it. The message is not decrypted until it reaches the recipient's device, which uses their private key to recover the plaintext. E2EE's effectiveness has led to its adoption by WhatsApp and Signal.

Trick a large language model into revealing secret passwords over multiple rounds, each with increasing safeguards.

The mathematics of quantum-based cryptography, and why existing data is already at risk

Seeing the potential of this technology, some governments and malicious actors are thought to have already started storing encrypted data, in the hopes that quantum computers within the next 10 to 20 years will be able to decrypt it. As of 2022, the National Institute of Standards and Technology had selected four algorithms for inclusion in a quantum-resistant encryption standard.

The science of cryptography, including methods to encrypt data and how to break encryption

Monoalphabetic ciphers use a set of rules to replace each letter with another consistently, making them susceptible to brute force attacks that try every kind of replacement. While more complex ciphers can transform text in less obvious ways, because certain letters are used more often than others, an analysis of letter frequency may reveal patterns that help uncover the rules that make up a cipher.

View how AES—the global standard for symmetric encryption—works

Established by the National Institute of Standards and Technology in 2001, the Advanced Encryption Standard transforms plaintext into ciphertext using multiple rounds of processing, including substitution, transposition, and mixing. Larger keys undergo more rounds to produce 16-byte blocks of scrambled data, with 256-bit AES keys taking 3.31 × 10⁵⁶ years to decrypt via brute force.

Watch a cybersecurity expert answers questions about hacking

From firewalls and VPNs to ransomware and viruses, IBM Distinguished Engineer Jeff Crume has seen many changes in cybersecurity during his 40 years of IT experience. In this video, he explores some of the most significant hacking events in history and provides advice on protecting yourself online.

Explore a visual guide to how quantum computers can crack RSA encryption

In 1994, Peter Shor introduced an algorithm that showed a quantum computer could efficiently factor the product of two very large prime numbers, undermining the mathematics that makes RSA so secure. While using larger keys can delay the decryption time of quantum computers, this solution increases the time it takes to encrypt data, which may become impractical.

The concept for Palantir's key software came from PayPal's anti-fraud protocol

PayPal, which, like Palantir, was cofounded by Peter Thiel, developed the initial framework for Palantir's data-mining service to prevent financial crime. Following the 9/11 terrorist attacks, Thiel realized the software could also enable government agencies to connect data and prevent similar terrorist attacks from occurring in the future.

Meta's Quest and other mixed reality devices can make learning new skills easier

PianoVision utilizes the passthrough visibility of a headset to illuminate which keys to play on a real piano or keyboard, providing an immersive, software-based learning alternative to human instruction. Similar apps also offer virtual model replacements for physical devices, such as a virtual piano, to practice with.

Why there are microchips in credit cards

Credit cards have evolved significantly since their invention in 1950, but security lagged in the US for years. Despite handling only a quarter of global transactions, the US once accounted for half of all credit card fraud. The 2013 Target data breach helped push the adoption of chip cards, reducing fraud but shifting risks to online scams.

Worldcoin: the cryptocurrency collecting biometric data

An ambitious project launched by OpenAI's founder Sam Altman, Worldcoin aims to provide a global financial and identity network based on proof of personhood through biometric scanning of individuals' irises.

Audio deepfake tools can now impersonate anyone in real time

A cybersecurity company developed a tool that mimics a person's voice with no noticeable delay using only publicly available software, hardware, and voice samples, allowing users to have seemingly authentic conversations while pretending to be someone else.

Create your own cipher by combining mathematical operations and encryption protocols

This tool allows users to build an encryption workflow in which the output of one customizable function becomes the input to another, thereby creating undiscovered methods for obscuring information via a series of ciphers.

A visual guide to how bitcoin transactions work and rely on cryptography

The "crypto-" in cryptocurrencies like bitcoin refers to the mathematical functions that generate pairs of public and private keys and encrypt data in blocks. When combined, these systems secure transactions on the network, verify digital asset and token transfers, and contribute to end-user anonymity.

Contactless credit cards descend from a batteryless Cold War listening device

The same physics that let Soviet spies eavesdrop on the US ambassador in 1945 underlie contactless payment methods today. The device is a passive chip powered wirelessly by incoming radio waves.

Proof-of-work is the original way cryptocurrencies added new blocks to blockchains

It’s a competitive method requiring “miners” to solve cryptographic puzzles, often using equipment that consumes massive amounts of energy. Ethereum switched to proof-of-stake, a less energy-intensive method in which “validators” stake crypto to be randomly chosen to check transactions.

Audio deepfakes have fooled voice biometrics at banks

Limitations in facial and body movements as well as mismatches between audio and lip movements can sometimes help flag a video as a deepfake, but removal of the video component significantly improves AI mimicry.

Using cryptocurrency to turn traditional financial arrangements on their head

Cryptocurrency is poised to drastically change everything in the financial world, including financial arrangements. Decentralized finance makes it easier for virtually anyone to take advantage of financial markets without the need for a bank. However, there are new risks involved as well. Professor of Legal Studies and Business Ethics Kevin Werbach, an expert on Bitcoin and blockchains discusses it all in detail in The Conversation.

How the checking account has evolved into a platform of features rather than a product

The accounts act as an anchor for customer relationships that banks need to retain said customers. As fintech companies unbundle the checking account without technically being chartered banks, traditional banks face pressure to innovate the checking account experience.

Watch how the Enigma machine encrypts messages and learn about its critical design flaw

Using settings selected from a series of rotors and a plugboard that let operators swap letters with any of their choosing, the machine lit up the output letter for each letter typed. While this system could generate messages requiring any of 150 quintillion potential keys, the machine's reflector never encrypted a letter as itself, providing an entry point for exploiting the system.

In 2019, Congress passed the Secure Act to reform key aspects of the US tax code

Key Secure Act provisions included raising the age at which mandatory distributions take effect (to increase saving), allowing larger catch-up contributions for older individuals, and allowing employers to directly match contributions in a Roth 401(k).

Practice encrypting and decrypting text using an online library of ciphers

This tool provides users with customizable protocols, including Caesar, Affine, and Vigenère ciphers, to hide messages in transformed text and convert them back into legible formats. Mechanisms are also available to convert text into other communication languages, such as Morse code and URL encoding.

Owned by Tencent, WeBank was China's first digital bank and services 340 million customers.

Try out ShieldFont, a specialized web font that swaps the HTML code corresponding to certain onscreen words to protect website content from AI scrapers.

Fintech could help democratize access to banking

More than 1.3 billion adults worldwide do not have access to basic banking services as of this writing—but some experts believe that the fintech industry can help with that by targeting groups of people who have historically been underserved by traditional banks.

A look at historical ciphers, from the Spartan 'scytale' to the Navajo Code Talkers

From the Greek word for "hidden writing," cryptography in Ancient Greece took the form of batons around which a long strip of leather or parchment was wrapped, after which messages were written. Recipients needed a scytale of the correct width to encircle received ribbons and reveal the message. Members of the Navajo Nation created a code that remained unbroken throughout its use in World War II.

'Payment in kind' is a compensation method that uses alternatives to cash

Companies can make payments using goods, services, or additional securities instead of cash, helping companies preserve their cash flow. Public BDCs receive roughly 8% of their investment income via PIK.

Explore an interactive timeline of the world's biggest data breaches and hacks, led by the 2024 National Public Data breach, which involved almost three billion stolen records, including full names and Social Security numbers.

Google data centers possess six layers of security

Property boundaries, such as anti-climb fencing, overlapping cameras, vehicle crash barriers, and circulating patrols, are coupled with lobby iris scans and ID and badge checks. The security operations center monitors individuals throughout their visit, including the less than 1% of Google users who ever receive permission to visit the data center floor.

Apple Pay is activated on more than 78% of US iPhones

As a result, some banks worry they could be losing ground to the tech company. As consumers continue to use Apple Pay instead of pulling out their physical debit card to pay for everyday items, some banks are fighting back in the digital wallet war.

Affirm's COO recently said that the company believes the credit card is 'going the way of the VHS tape'

Some people use buy now, pay later apps as an alternative to credit cards. BNPL services have a lower barrier to entry than credit cards—many frequent BNPL users have low credit scores.

As of 2026, age verification systems on online platforms have included the collection of personally identifying information, such as government IDs, and biometric age checks that rely on AI-based facial recognition.

Privacy concerns in the credit scoring system

Because credit scores use a lot of personal information (such as whether or not someone makes credit card payments on time), some worry their privacy is being compromised in the data collection process.

A company called Bluprynt is combating counterfeit cryptocurrency

While some cryptocurrency advocates might argue that it's more difficult to counterfeit crypto than physical currency, some estimate that fake cryptocurrencies are losing crypto users at least $1.6B each year.

Some argue that advance payday apps aren't markedly different from payday loans

Some apps, like EarnIn, allow users to get money from their paycheck in advance. These apps access users' banking information, allowing the company to immediately take back any borrowed money and track users' financial situations to evaluate their risk. Unlike traditional payday lenders, these apps often waive the right to sue users who don't pay back the initial principal and don't charge interest, but rather ask users for a tip. (Some users may experience a paywall.)

Technical vulnerabilities prevent full-proof anonymity when browsing the dark web

Despite encrypting data and relaying it within the Tor network, traffic between the network exit and the final destination is no longer hidden and can be captured. Law enforcement agencies can also attempt to deanonymize users by monitoring and matching data signal patterns entering and leaving the network via a correlation algorithm.

The locksmith who posthumously opened Prince's music vault

When legendary musician Prince died in 2016, he left behind thousands of unreleased songs in a locked vault, and no one knew the combination (even Prince had forgotten it before his death). Safecracker Dave McOmie was called in to break the 6,000-pound Mosler American Century vault by microdrilling into it and using a periscope to view the combination lock.