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Each new wave of technology is intended to enhance user convenience, as well as improve security, but sometimes these do not necessarily go hand-in-hand. For example, the transition from magnetic stripe to embedded chip slightly slowed down transactions, sometimes frustrating customers in a hurry. Make a service too burdensome, and the potential customer will go elsewhere. This obstacle applies at several levels. Passwords, double-key identification and biometrics such as fingerprint-, iris-, and voice recognition are all ways keeping the account details hidden from potential fraudsters, of keeping your data dark. But they all inevitably add a burden to the use of the account. On top of the hurdles introduced in accessing his or her money, if a suspected fraud is detected, the account holder has to deal with the phone call asking if he or she made the suspicious transactions. This is all useful at some level -indeed, it can be reassuring knowing that your bank is keeping alert to protect you - but it becomes tiresome if too many such calls are received.
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