Dan Moren: Authy
The problem with increased security is largely that it's less convenient. For example, I've enabled two-factor authentication on many of my online accounts, but I hate the idea of being barraged with text messages every time I want to login. Fortunately, that's where Authy comes in: the iOS app, which supports both iPhone and iPad, lets me collect most of my common two-factor tokens in a single place, and its simple design makes it easy to differentiate them. Authy even lets me securely back up all my tokens, so that I don't have to go through the time-consuming process of re-entering them when I upgrade to a new device. So, really, it's the best of both worlds: better security and less inconvenience. — Dan Moren
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