Two-factor security has been a hard sell in the consumer space, apart from online banking where people are more willing to endure a little inconvenience for their financial security. But growing concerns over privacy and awareness of threats has made the second factor, based usually on something the person owns (usually a gadget) as well as knows (a password), more appealing to some. Estonian start up Digiflak has bet on the second factor gaining ground among consumers, although that is not the only string to its bow. Founded in 2013 by Maxim Kostin, the firm decided that improvements in chip design meant the time was right to develop and promote a dongle as a convenient second factor, avoiding the need…