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Thank you for mentioning digital signatures. I am appalled at how this solution remains ignored by the financial industry. I'm guessing the banks think (if they've considered it at all) that this would confuse their less-savvy customers who wouldn't know how to verify a signature. Gimme a break. Security and simplicity rarely go hand in hand, but this is pretty simple. Learning how to click a few buttons on your mail client is a small price to pay for improved security.

My prognositication? This simple technology will remain unused by the financial industry for the foreseeable future.