“Cyberschizophrenia” in the US Government


In the last few days, the US Government both mandated and rejected the same method of cybersecurity. It’s called Second Factor Authentication, specifically a One Time Passcode (OTP) sent by Short Message Service (SMS). So, together, its a “SMS OTP,” which is basically what happens when you receive a 4 to 6-digit security code to … Continue reading “Cyberschizophrenia” in the US Government

New Book Released Today With Simple Tips for Everyday Online Security


Tired of all of the rules that you have to follow everyday just to be online?  The internet was easier once, but now it seems like we spend half of our computer time worrying about hackers, thieves, viruses, and other online traps. It’s time for a new approach.  It’s time for intuitive, reasonable habits to … Continue reading New Book Released Today With Simple Tips for Everyday Online Security

Five Reasons iPhone-5 Excludes NFC


Based on Apple’s press conference on September 12, their strategy can be described as: change customer behavior now, encourage an upgrade later. The Apple wallet going to be called, imaginatively, “Apple Wallet.” It works without an NFC chip, relying instead on geolocation to determine if an iPhone user is in the proximity of a compatible … Continue reading Five Reasons iPhone-5 Excludes NFC

Will Mobile Payments Become a Format War?


It is called a “Format War.”  Two or more companies with different products compete for your attention.  Of course, as a consumer, you get to choose the product you want.  If you don’t like it, certainly you are free to switch to another product. However, since companies know this, they can make it incredibly cumbersome … Continue reading Will Mobile Payments Become a Format War?