"Today, we are struggling to secure mobile payments yet trying to convert a wallet full of credit cards into an app that lives on our phone. If we hope to store more and more sensitive information on mobile devices, the current levels of risk are unacceptable. If credit cards are falling prey to hackers, how can we consider adding driver's licenses, passports, health insurance cards and employee IDs to mobile wallets? Can we really trust a phone to store our personal health records and biometric data?", CardNotPresent