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this post was submitted on 11 Jul 2023
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No Stupid Questions
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No such thing. Ask away!
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This seems somehow worse than simply requiring the same few characters each time, since they would either have to store the complete passwords in plaintext, or compute and store the hash for every permutation of 2-3 characters, which is wildly inefficient. You'd also be susceptible to leaking your password if for some reason you are under long term surveillance, since at some point you would presumably have provided all of the characters making up the password.
It's normally an additional password/code, so it's probably stored in plaintext.
The random character selection is what makes it useful. Stops someone who just captured your details from logging straight in (probably).
2FA is superior in every way to it. Most have now switched to sending you a chip & pin card reader to generate OTPs.