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.
Braton et al, (2007) confirm that learning theories accept the idea that decision making process consists of a number of steps as, recognition, formulation, producing some alternatives, the cognitive processes such as memory, reasoning and concept formation play a primary role in decision making.