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There are three basic categories of authentication that a financial institution can use.  This authenticator type relies on memorized PINS or passwords.  It is based on secrecy or obscurity:

▸ Knowledge

▸ Objects

▸ Identification

▸ Credibility
Textbook 
Introduction to Security: Operations and Management
Edition: 5th
Authors:
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This helped my grade so much
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Perfect
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