Have you ever forgotten a password for a site? What about a security question?
Have you ever spent a ridiculous amount of time trying to think of a password you can remember, but also complies with a list of arbitrary requirements (e.g. 7 uppercase letters, 4 special characters, etc.)?
When these UX problems pop up, they cause friction.
Friction that prevents new SaaS customers from signing up, friction that prevents loyal eCommerce customers from creating an account for next time, friction that prevents current customers from accessing their accounts.
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