text:  There's a lot of things that happen behind the scenes to help us prove that you are who you claim to be. A lot of that actually slows down the experience and it makes it clunky. For example, you probably have at some point in time when you're buying something, you've been asked to enter a one-time code to verify that you are who you are. Yeah, like a multi-factor authentication. Exactly. And so everyone's kind of gone through that and it works, but it can be clunky.