This panel will explore the current state of multifactor authentication (MFA) and its limitations, as well as potential solutions for improving the security and user experience of MFA. We will discuss topics such as the challenges of implementing MFA, the limitations of mobile-based MFA, and alternative methods for MFA, such as biometrics and behavioral analysis. The panel will also address the future of MFA, discussing the potential for new technologies to improve security and user experience, and the role of industry and government in shaping the future of MFA. Overall, the panel aims to provide valuable insights and perspectives on the multifactor authentication dilemma and the steps needed to move beyond mobile-based solutions.