It's not often Apple, Google and Microsoft collaborate like this, but we should all be grateful that they are.
More straightforward, stronger, cross-platform authentication for all
In this scenario, the smartphone acts as a secure passkey store. Using, for example, biometrics to access that key provides something you are or something you know plus something you have in one single, simple action. As I've already pointed out, improving security requires user acceptance, which means solutions must be as frictionless as possible. This ticks that box.
While there is some mileage in the argument that putting all your authentication eggs in one basket, a smartphone-shaped basket, it is actually more secure than it sounds. At least for most people, most of the time. For a threat actor to access your accounts or services, they need to have physical access to your device and your face/fingerprints or PIN.
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