The suggested answer is B, E.
When an employee receives a text message that appears to be from the payroll department asking for credential verification, the social engineering techniques being attempted are Phishing and Smishing. Phishing is a broader category that involves tricking individuals into revealing sensitive information by pretending to be a trustworthy entity. This can be done via email, websites, or messages. Smishing, on the other hand, is a more specific technique that involves sending fraudulent text messages (SMS) to extract credentials or personal information. The scenario described fits under both Phishing and Smishing as it involves sending a text message with the intent to deceive and obtain credentials.