When it comes to protecting your information online, passwords are the most used form of website authentication. Password authentication requires users to create a key that only they (and the website) know as a way to access their online accounts.

The challenge: since passwords are so widely used, they’ve become obsolete. Passwords are not only difficult to manage but also insecure because they can be easily guessed or cracked by hackers. 

Furthermore, if your business is using passwords to protect internal accounts and your user database, you and your user’s sensitive data could be at risk.

Still not convinced? See what security experts have to say about password authentication.

Whether your organization is set on using password authentication or looking for alternatives, it’s important to be aware of its weaknesses so that you can find a secure way to protect your data.

That’s why we’ve compiled a list of top password authentication vulnerabilities and ways your company can avoid them:

  1. Hackers can use brute-force attacks to crack password authentication.
  2. Password authentication is a user-generated security protocol.
  3. Users have different password authentication credentials for every account.
  4. Password breaches make it difficult for users to protect their individual accounts.

We’ll explain each weakness in more depth and provide ways you can improve your website’s security. Let’s get started!

Password authentication is weak because hackers can use brute force attacks.

1. Hackers Can Use Brute-Force Attacks to Crack Password Authentication

Password Authentication Vulnerability

Because of brute-force attacks, password authentication can be easily cracked by cybercriminals.

As technology evolves, so do the tools hackers use to crack people’s credentials. Aside from merely guessing your password, a brute-force attack is the most common technique hackers use.

Simply put, a brute-force attack is when a hacker uses a computer program to run through every password combination until they find a match. The system will run through all one-digit combinations, two-digit combinations, and so forth until it cracks your password.

To make matters worse, these systems are able to run through thousands of combinations in less than a second, which means that shorter passwords can be cracked in a very short time frame.

Generally, hackers don’t use brute-force attacks to crack passwords on an individual level but rather to crack the key to the encryption code of a company’s user database, compromising your website’s security. This method allows cybercriminals to obtain the credentials of multiple accounts all at once.

Ways to Secure this Password Authentication Weakness

The first thing your organization should do is ensure that hackers can’t use brute-force attacks for individual accounts. Companies can achieve this by limiting the number of login attempts and password reset requests for every account and IP address.

Your security team will need to establish a few standards before you can implement this process. For instance, you’ll need to ask yourself:

  • How many login attempts and password reset requests will each user and IP address receive? The limit for IP addresses should be more than the limit for users. This is because multiple accounts could be using the same IP address like in an office setting.
  • How long will the account be temporarily blocked? Once a user has reached the allowed number of requests, the account should be blocked for a short period of time. We recommend 10-15 minutes.
  • When should we block an IP address from making login attempts? If there has been a lot of unusual behavior from a specific IP address, it might be in your website’s best interest to permanently block it from making login attempts.

In addition to making these changes, it’s also important that you encourage donors to create longer passwords. Credentials with more characters will take longer to crack.

Where You Can Learn More

Securing your login process is the first step to improving your password authentication. Learn more best practices with Swoop’s (formerly @Pay) article on modern password and username logins.

Password authentication requires the user to create a key only they should know.

2. Password Authentication Is a User-Generated Security Protocol

Password Authentication Vulnerability

Password authentication is weak because users create credentials using predictable patterns.Since users have to create their own passwords, there’s always a chance they won’t create secure credentials. In fact, around 90% of user-generated passwords are considered weak and easily vulnerable to hacking.

Whether it’s because users want to have a password that’s easy to remember, aren’t up to date on password security best practices, or consciously (and subconsciously) use patterns to generate their passwords, this type of authentication has its flaws. 

Creating complex passwords is difficult because our minds are drawn towards patterns. Think about the passwords you create. It’s likely that they all follow a similar formula like using a word with numbers and a special character at the end. While these patterns make it easier for us to remember our credentials, cybercriminals are also aware of the common formulas people use to create passwords.

As a result, hackers can use this knowledge to input how their brute-force systems run through password combinations or crack your password making an educated guess.

Another concern with user-generated passwords is that people don’t know if the passwords they’re using have already been compromised. As a result, people continue to use weak and insecure credentials, and in many cases, passwords are the only thing protecting your users’ information.

Ways to Secure this Password Authentication Weakness

Password authentication isn’t secure enough on its own because it puts the user in charge of protecting their information. Instead, organizations need to ensure their users’ data is protected in other ways.

If your website continues to use passwords in your website authentication, you should add an additional step in the login process. Require the user to verify their identity twice: first, using a username and password, and second with a single-use passcode sent via text, email, or authentication app. This two step process is called two-factor authentication.

Simply put, two-factor authentication requires the user to verify their identity twice: first, using a username and password and second, with a single-use passcode sent via text, email, or authenticator app. 

Here’s how the process works using text messages:

By using two-factor authentication, your organization can help secure your password authentication.

Therefore, if a hacker obtains a user’s credentials, he wouldn’t be able to access the account without entering the correct passcode. Since it would be difficult for the hacker to also obtain the user’s email account or phone, this ensures that your users’ information stays safe—no matter how weak their passwords are.

Additionally, organizations should make a point to scan all newly created passwords through a list of commonly used or compromised credentials. When a user tries to create new credentials using a weak password, they’ll be asked to use a different credential. 

As a result, users are forced to create stronger passwords and avoid those that can be easily guessed.

Where You Can Learn More

Want a more in-depth look at how your company can implement two-factor authentication? Check out Swoop’s definitive guide.

Password authentication is weak because users must have different credentials for every account.

3. Users Need to Have Different Password Authentication Credentials for Every Account

Password Authentication Vulnerability

Password authentication is vulnerable because users have to manage over 20 different credentials. Recent online security best practices suggest that users create passwords that are at least 8 characters (the ideal number is around 12 characters long) and use a combination of uppercase and lowercase letters, numbers, and symbols.

What’s more? Every password should follow these best practices and be unique to each account. This would be fine if users only had to juggle one or two accounts, but the reality is: people have an average of 27 online accounts and that trend is only projected to increase in upcoming years.

The challenge with passwords is that in order for them to be secure, they need to be complex and unique. However, complex passwords are hard to remember, which means that passwords can’t be effective or user-friendly.

Moreover, people can’t remember that many passwords, so they have to use other strategies store their credentials like a password management system. These tools allow users to store all their passwords in one place, generate new passwords, and auto-fill credentials when they land on a login screen.

But, this solution has its risks as most of these tools require users to create an account with password-protection. If a cybercriminal gets the password for your management tool, he’d have access to all your accounts.

Ways to Secure this Password Authentication Weakness

Password authentication is weak because of passwords themselves. As a result, organizations need to look into other ways to verify their users’ identities, also known as passwordless login options.

Passwordless login options allow organizations to remove passwords from the authentication process and require users to verify their identities using other methods.

There are several different types of passwordless authentication, but three most common types are:

Swoop’s passwordless login technology uses email authentication to securely verify users. The process takes two steps:

  1. After users press the login button, they’ll be redirected to a pre-written email that has instructions on their next steps and the details of their request.
  2. To log in, users will have to hit “send” and wait for the system to grant them access.

Plus, our technology can be used to verify and confirm online payments, e-commerce purchases, and donations.

Behind the scenes, Swoop’s technology conducts three layers of security measures to determine if the email came from the correct user. If the system suspects the request wasn’t made by the user, it will send a text message requesting the user to decline or approve the login attempt.

@Pay's email login process is more secure than password authentication.

By implementing an authentication method like this, users will only have to manage the password for their email address. This way, users only have to create one strong password.

Even if a user’s email account becomes compromised, the additional two-factor step via text message will prevent any hacker from gaining access.

Where You Can Learn More

If you’re not convinced passwordless authentication is the right option, learn more about our full list of benefits or get answers to the frequently asked questions on password alternatives.

Password authentication is weak because credentials can be obtained through a data breach.

4. Password Breaches Make it Difficult for Users to Protect Their  Individual Accounts

Password Authentication Vulnerability

As we mentioned earlier a hacker might attempt to crack an individual’s credentials, but the real goal is to get access to the website’s user database. Once hackers have cracked the code to your user database, they’ll have a list of all your users’ credentials, and as a result, no level of password security will be able to protect your users.

Password breaches are becoming a real concern for large and small organizations.

Password authentication is weak because passwords are often compromised because of a data breach.

Storing all of your users’ credentials puts you at risk, and just encrypting the information isn’t enough.

Organizations need to understand that weak internal passwords and storing credentials improperly could make a hacker’s job easier. 

Additionally, the password breaches of other companies could affect your organization’s security. Think about it: if you’re using a service from a company that recently had a password breach, your employees’ accounts could be compromised, which means your website’s users are also at risk.

Ways to Secure this Password Authentication Weakness

If your organization continues to use passwords as a user authentication method, it’s important that you store your passwords with more than use encryption. Credentials should be stored by:

  • Hashing your passwords. Hash turns passwords into a random set of characters. Once the data has been hashed, it’s extremely difficult to decode the information. This is useful for passwords because they don’t need to be read back. When users log in, the same hashing will be applied and then compared to the information on file.
  • Salting your passwords. This technique adds an extra value at the end of your passwords so that it’s harder to determine the actual password. For instance, the password “admin” would change to “admin+salt” when salt is added. For an additional security precaution, the salt added to each password should be random and unique. In general, salting occurs after a password has been hashed.

By salting and hashing your passwords, you’re adding another layer of protection to your database, which makes deciphering the information harder to achieve.

Additionally, organizations need to implement the same password security best practices when creating internal accounts. In fact, using a passwordless login option isn’t just beneficial for your users.

Since internal accounts are one of the common ways hackers gain access to user databases, your top priority should be making sure that these accounts can’t be easily cracked.

Where You Can Learn More

For more ways to protect your internal accounts, check out Swoop’s password breach prevention tips.


As you can see, password authentication has many weaknesses that can put you and your users’ sensitive information at risk. Hopefully, this article has made you more aware of password weaknesses and ways you can improve your website’s vulnerabilities.

For more solutions to password security, check out these additional resources: 


Keep your sensitive information safe with our guide to password security.

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