Readers reply: Experts say we should use passkeys, but can a smartphone pin really be safer than a password?

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I’ve been struggling to get my head around the idea that a passkey, which can be a pin on your phone, or facial recognition, can be safer than using a complicated password and two-factor authentication.

I get that having something unique to your device, not stored on a company’s server, is unphishable and less hackable by cybercrims, but what if your phone is nicked and someone guesses the password? And what if you lose your phone?