Identity fraud – While the Internet and mobile technology have provided consumers with unprecedented access to personal accounts for banks, credit cards, email, etc., hackers and thieves are motivated to gain unauthorized access to these accounts for financial gain.  Consumers, menaced daily with identity theft threats such as phishing, keylogging, dictionary attacks, and dumpster diving, are demanding greater protection from identity fraud.

Ease-of-access – Consumers are burdened with keeping track of varying passwords for their numerous online and mobile accounts, which often require different password lengths and use of capitalization, numbers, and symbols.  Common methods for dealing with this burden, such as using obvious passwords, using common passwords, and writing passwords on Post Its or Excel spreadsheets, compromise the security of these accounts.  Consumers want easy access to their personal accounts.