"Julian's law of security: nobody but spooks will pay for security that
calls them an idiot."
Good software makes the security virtually invisible. People don't mind
carrying cards around in their wallets. They already do. If someone
produced software and smartcards that were EASY to use it would overcome
"Julian's Law" and reduce transaction costs by eliminating a lot of fraud.
The catch is the card readers. If PC and MAC manufacturers would start
putting out computers or keyboards with built-in smart-card readers it might
catch on.
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