Which two of the following are examples of multifactor authentication?
Multifactor authentication requires credentials from at least two different categories, such as something the user knows and something the user has. Soft tokens provide a possession factor because the user must have the token-generating device or app. Unique user knowledge provides a knowledge factor because it relies on information only the user should know. The other options are authentication management or password-policy concepts, not distinct MFA factors.
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