In January this blogger gave a talk at Wharton Business School, as part of the Information Security Best Practices conference.
Here is a note from ZDNet summarizing one audience member’s perspective. The presentation is online. More about the main points in a future post.
cemp
Random Oracle 
Strong authentication in consumer space is challenging since
– it’s not about revenue generation. it’s about managing risk.
– increased friction (federation reduces it since pain is shared but federation in consumer space is harder than gov/enterprises.
– not many consumer friendly, cost-effective, scalable strong auth solutions exists.
Ashish
itickr.com