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Can I refuse MS Authenticator?
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It might depend on configuration. In the only case of Microsoft enforced 2FA I know of, it is just TOTP. Microsoft's web interface nudges (tries to trick) you into using the MS Authenticator app, but that app is not needed. You can use any TOTP capable 2FA app, e.g. Aegis or FreeOTP+, both of which are also available through F-Droid and don't require internet connection.