“Imagine a world where, as a consumer, you can use things you already have to enhance your online and mobile experience (your smart phone, your bank card, your tablet or PC). Imagine a world where, as a Bank Card Issuer, you can minimize card-not-present fraud and provide value-added services based on strong authentication, to your consumers and commercial partners. Imagine a world where, as a merchant, you can sell to your clients through extended channels, securely, and with little risk of card-not-present fraud. And imagine a world where online service providers such as governments can actually transact with their constituents after ascertaining their identity, while still transacting anonymously.”