Finance committee  I think it's still early days for those approaches. I think we're challenged with security.

Finance committee  I do.

Finance committee  We're looking at a number of things. We work with biometrics and other approaches. The challenge with security is that for it to be effective, it needs to be broadly adopted and well understood, and that's something that makes making changes like this take time.

Finance committee  Part of it is that the world has sort of shifted from closed networks where security was very tight to these open networks that are highly interconnected, and that has created a lot of complexity. From a user perspective, I think keeping your organization and organizations that y

Finance committee  For sure.

Finance committee  It certainly isn't their area of expertise in all cases. I think the Target experience says that it just simply isn't their area of expertise and they're looking at organizations that have addressed the issue for different ways of handling payment data.

Finance committee  I would just say that you may already be using it today, because it connects a number of financial institutions to over 120 Government of Canada applications. Our belief is that the solution is to reduce the number of places where people use credentials, and our briidge.net solut

Finance committee  First and foremost our belief, since we are talking about mobile, is that mobile has great potential to provide a security framework for consumers in turning security into a user consent model and also unburdening merchants. The Target hack and all those hacks really are part of

Finance committee  There is really just a tremendous amount of innovation that has occurred in the last three to five years in the payment space, and there are a lot of organizations pushing the edges, including their traditional payment networks. It's a highly competitive environment, but it's als

Finance committee  I have a couple of comments on the question. One is just around this whole notion of a user-centric model. I think that the mobile device creates an interesting opportunity for capturing that kind of consent at the point of interaction with the merchant. That is an important po

Finance committee  Thank you very much, everyone. I'll speak briefly about SecureKey. We provide authentication and identity solutions in working with banks and governments. I have a brief PowerPoint presentation to give us some perspective on the future of digital commerce. First of all, I'd l