Mamabear,
I think the Wavemeter/Embassy's gaining acceptance isn't going to be nearly as difficult as you think it will be. It started to be deployed, albeit in small quantities, by HAUP about a month ago. This was partially to get the bugs worked out and for feedback. It will be deployed by HAUP in much larger quantities over the next 6-12 months, which, if nothing else will create name recognition. I think this by itself could have a snowball effect over time.
On another note, many people would like some anonymity for their internet transactions, and the Wave chip gives it to them, if they so desire. Does Visa do this? We both know the answer.
There are plenty of people who have concerns about the security of their transactions over the net and vulnerability to the breaking into their credit vault so to speak. Since the Wave chip is at the client side (your own computer), it makes it much less lucrative to attempt a break in, compared with a server-based system which stores many ID numbers. As for software-based security, that's also thought to be more vulnerable due to physical reasons (I'm not sure about what those are, as I'm not really a techie). Would you rather use a more secure, anonymous-if-you-want Wave account or put out your credit card number over the net? Maybe you don't care, but I'll bet that there are plenty of people who do.
Harold
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