Final answer:
Joe's requirement to use an RSA token and a username and password to set up a VPN is an example of two-factor authentication, which enhances security by using two types of credentials.
Step-by-step explanation:
When Joe, a technician, needs an RSA token and a username and password to establish a VPN to the company firewall, this scenario is described as two-factor authentication. This security measure requires two different forms of identification before granting access. In this case, the RSA token provides a constantly changing code that the user has to enter, which is something they have, and the username and password combination which is something they know.
Increased security for individuals often includes using stronger passwords, two-factor authentication, and ongoing education to help avoid getting scammed. Companies and governments aim to implement stronger protections on websites to safeguard sensitive data from unauthorized access or breaches.