Dont forget the rest of us

If they push this on to their customers let us hope they don't forget businesses like mine. We are using open source software whenever possible and things like this have the potential to cut us off from basic online services.

Take HSBC.net for example. That requires a smart card reader that only works on IE under Windows. Not even any support under OS X so forget Linux!

I don't even believe that banks are doing this to protect their customers. Once the cards can be duplicated or emulated we are back to square one. Your fraud coverage will evaporate. The bank will turn around and say that only you can authorise transactions because of the magical chip n pin system. Even though some evil bugger has just ripped you off.

Right now if somebody nabbed my pin using a hidden camera at a cash point, and then swiped my wallet or whatever and used the card with the pin the bank would refuse to give me any compensation as only I should know the pin. This has happened already.

And dont get me started on those black helicopters...