@richi Personally, I'm least enthused by attempts to get rid of passwords via biometrics. It's kind of like Social Security numbers as they're set up now: once it's lost somehow, there's no good way to undo the damage.
Changeable Passwords/PIN numbers plus cryptographic authentication (e.g. U2F/Yubikeys) seem extremely solid to me as a combination.
@richi Right -- should have made that clear.
My biggest complaint is that more entities that supposedly care about security--banks, etc.--don't allow the use of U2F keys (and many won't even get away from SMS 2nd factors. I guess they need a major breach to drive the point home).
I don't agree. They won't implement these changes because they have insurance to cover their breaches and they make so much money that they are still on the side of the tipping point where the insurance is cheaper than change.
Yes, and in the US we still don't have the securest version of the chips because they went with the older technology.
@JWilliams yes. Yubi is part of the FIDO Alliance, so that's their vision also