A smart card is a good form of multi-factor authentication because: It contains a certificate on a microchip that is resistant to cloning or cracking...

A smart card is a good form of multi-factor authentication because:

a. It contains a certificate on a microchip that is resistant to cloning or cracking

b. It can double as a proximity card for building entrance key card systems

c. It does not rely on internal power like a token

d. A smart card is portable and can be loaned to others