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How to set up two-factor authentication for SSH login on Linux

With many high-profile password leaks nowadays, there is a lot of buzz in the industry on “multi-factor” authentication. In a multi-factor authentication system, users are required to go through two distinct authentication procedures: providing something they know (e.g., username/password), and leveraging something they have “physical” access to (e.g., one-time passcode generated by their mobile phone).