Passwords and Password Policies
Although biometrics and smartcards are becoming more common, they still have a very long way to go before they attain the level of popularity that username and password combinations enjoy. Apart from the fact that usernames and passwords do not require any additional equipment, which practically every other method of authentication does, the username and password process is familiar to users, easy to implement, and relatively secure. For that reason, they are worthy of more detailed coverage than the other authentication systems already discussed.
Passwords are a relatively simple form of authentication in that only a string of characters can be used to authenticate the user. However, how the string of characters is used and which policies you can put in place to govern them make usernames and passwords an excellent form of authentication.