Banking and credit card fraud are big problems the world over. But they’re a particularly big problem here in the U.S. and not just because we’re the world’s biggest economy. It’s a oft-repeated truth, but countries in the EU and Asia are way ahead of the U.S. when it comes to adopting smart card and second factor authentication technologies that can prevent fraud. As antivirus expert Mikko Hyponnen once illustrated to me using a simple one-time password scratch sheet for his bank in Finland required for ATM and remote banking access, consumer acceptance of strong security around banking transactions is almost universal outside the U.S. Inside the U.S., however, consumers are a lot less patient, and banks, fearing the loss of customers, are wary of implementing any strong authentication technology that’s too cumbersome — like USB keyfobs. But there may be a Security