This definition of multi-factor is a bit of a myth. All of those 3 things are something you 'know' in the sense that they all boil down to secret keys. Yo

This definition of multi-factor is a bit of a myth. All of those 3 things are something you 'know' in the sense that they all boil down to secret keys. Your dongle or phone stores a key. Your fingerprint and iris can be copied (scanned and stored digitally)