Two-factor authentication makes it less likely that an intruder can masquerade as an authorized user. Authentication factors are categories of credentials used to verify that someone or something is who or what they are declared to be.
Factors that Influence Decision Making. There are several important factors that influence decision making. Significant factors include past experiences, a variety of cognitive biases, an escalation of commitment and sunk outcomes, individual differences, including age and socioeconomic status, and a belief in personal relevance.
To complete the first step in the rational decision-making process, one must identify the problem and then state the desired outcome after the problem is solved. The next step is to identify the decision criteria by determining what factors are relevant in making the decision.