A company requires all employees to use a smart card and a PIN to access the building. This is an example of which concept?
A smart card (something possessed) plus a PIN (something known) combines two different authentication factor categories, which is the definition of multi-factor authentication. Requiring both for building access therefore satisfies the MFA concept the stem describes.
Why this answer
Multi-factor authentication combines something you have (smart card) and something you know (PIN).