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      "body": "Smartphones have changed our lives. We can communicate with family and friends around the world via video calls and instant multimedia messages. We order groceries with our phones and broadcast our ideas to the world.  The innovations in personal devices and their capabilities are unprecedented.  Mobile devices are integrated into our routines and impact the manner in which we express ourselves and our phone numbers have become our virtual addresses, a means of reaching us wherever we are in the world.\n\nWe have become so closely tied to our devices that our interaction with them is shaping our expectations of how everything around us should function.  We rely on immediate and unencumbered access to information and services and this reliance is impacting our society. The future is being shaped by the computers in our pockets.  Part of our expectation is that the services we use and our identity should be seamlessly integrated into our devices.  There is however a fundamental security issue that must be addressed with respect to our need for information and digital services.\n\nEach system, device or service we interact with must be secured. Achieving a high level of security is typically characterized as cumbersome and counter to our ideal of immediate engagement and a friction-free user experience.  To date, the manner in which this has been delivered has been a one time entering and saving of credentials or by using your Facebook, LinkedIn or Google credentials with other sites and services. The engineering, it would seem, has ceased at the doorstep of the major services we use.  The username and password persist as the primary means of identifying ourselves and gaining access to our personal or business information.\n\nThe problem with usernames and passwords is that they are just pieces of data that, together, form a key to open a door to data or services.  There isn’t anything about the username and password that tie the activity of logging in to a site or app to your identity, proving that it’s you.  Usernames and passwords are digital cash, open to be used by anyone in their possession. \n\nUser credentials have proven to be the most vulnerable and highly targeted data for hackers.  2016 is a banner year for the quantity of records exposed due to data breach.  Think about how long you’ve relied on usernames and passwords and how the world has changed in that time.  Why are we still depending on the same approach to secure our data?  How many different accounts do you have and how many usernames and passwords are you using? Research has shown that we are not adept at varying our credentials in a way that facilitates security. We repeat passwords across services and often make them simple and easy to break.  Your services and providers are counting on you, the user, to make sure your credentials aren’t weak. We need to hold our technology providers accountable for delivering a more secure yet easy-to-use experience that maximizes engagement and security.  Adding our mobile numbers and an effective app to the user experience is an opportunity to dramatically improve the security of our online world similar to the way we’ve adjusted our approach to physical security.\n\nWe have made this important social and cultural shift in our lives post 9/11 when it comes to physical security.  We experience the shift when we travel, enter office buildings or in the security presence at public events. We however continue to rely on legacy security parameters for technical systems in a way that we would never accept in physical access controls. We must adjust our expectations with respect to what we accept as a secure online experience. It’s time for us to move beyond passwords in a way that is culturally and socially accepted, while embracing the ease of use and immediacy we demand from our interaction with mobile.\n\nThere are better ways to secure our online lives. We have an opportunity to leverage our affinity to our mobile devices to deliver an easy-to-use and secure online experience.  We’ve accepted cultural change in our non-virtual world and it’s time we evolve in our virtual lives.  Insist that your services adopt a form of strong authentication so that your accounts aren’t compromised because you are using the same username and password you had with MySpace and AOL.  \n\nEdward Robles is the co-founder and CEO of Qondado LLC, a cybersecurity startup that offers biometric, mobile-based authentication solutions.",
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      "body": "Hi! I am a robot. I just upvoted you! I found similar content that readers might be interested in:\nhttps://bdtechtalks.com/2016/10/28/the-future-of-mobile-payments/",
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      "title": "The future of mobile payments",
      "body": "![](https://steemitimages.com/DQmUxFsD1kWf6s951TK9VH2zLSac1tXnFPbuH7Djm7EcvCV/image.png)\n\nMagnetic stripes on cards were developed in the late 1960s.  The technological breakthrough helped convert “raised letter” credit cards from single-purpose tools to universal cards accepted by a wide variety of places. Even more importantly, the development of the magnetic stripe cleared the way for fast, nearly instantaneous computerized transactions. As a result, every credit or debit card has the same format of information in the same place with only slight variations in color and branding based on the issuer.\n\nToday, credit, debit and charge cards are the instrument and interface of many transactions around the world. The design and utility crosses cultures, languages and requires no explanation.  Retail and banking systems know precisely how to handle and capture credit card data due to the uniform nature of the instrument.  This is not the case in the mobile payments space.\n\nEfforts to integrate the credit card and the mobile device have resulted in strangely branded, fragmented retail and hardware specific versions of the original “raised letter” cards that only function within the context and design of the issuer.  Some even require new point of sale hardware. There is an overall lack of uniformity in design and function. As a result, the adoption of a mobile device- based payment instrument has not rivaled the credit card in adoption or use.\n\n\nLet’s stop trying to put credit cards on devices and turn our devices into true transaction tools.\n![](https://steemitimages.com/DQmP4GrmogMweUNjqaVfQkSK9g7Dp5tq6HVkJuhJ5kq9HFu/image.png)\nThe context to consider when attempting to realize a future with ubiquitous adoption of mobile device based transactions begins with an assessment and observation of social practices and how our daily lives or culture are being impacted by technology.  There are two key points here:\n\nMobile devices have become a universally owned and controlled instrument, similar in that respect to a credit card.\nThere already exists an enormous infrastructure of retail point of sale, banking ATMs and financial systems designed to manage card data.  How does a technology company take these two points and leverage them in a way to truly pave the way for universal mobile device based payments?  \n\nIf we are to learn from history, the answer lies in creating a **uniform digital transaction interface** within the various mobile apps that easily interacts with existing point of sale systems and is as easy to use as a credit card with the added benefit of turning the mobile device into an authorization token.   \n\nSimilar to the innovation of the magnetic stripe paving the way for rapid, mass adoption of credit cards, an efficient and uniform mobile transaction interface is the key to ubiquity in the mobile payment space and the future of real time transactions.\n\n\nA uniform interface design must leverage the familiarity of mobile devices and efficiently facilitate the communication of the data required in a transaction.  Add the authorization capability of mobile devices and the result is a more secure, easy to use world of mobile enabled digital transactions.  The interface should be precisely the same across every flavor of mobile payment provider.  This is especially significant in a world where we are moving toward real time payments between financial institutions and individual accounts.\n\n![](https://steemitimages.com/DQmf4LZ3YgPa8CesxSQ6hojrf8vmFDnsznUg5SmWY5j3guk/image.png)\n\nThe final component in the recipe of the true future of payments and transactions is a powerful and easily recognized name that requires no explanation similar to the way that the words credit card or debit card require no explanation.  We cannot believe that a newly construed phrase is going to capture the attention of the world the way that say “Google” has established a new word associated with looking for information.  Payments is not a new category and the payments space needs to build upon what is already socially and culturally accepted and in use.  Until these things occur, the mobile payment space will continue to struggle to gain mass adoption.  \n\nRe(https://bdtechtalks.com)",
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