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Martin Verfasst am: 18.12.2015, 10:01	hfXraDtb I've been following the moilbe banking and payments space for some time now and after the Finovate conference I am concerned about a couple aspects of what is happening in the U.S. marketplace. In particular, the AT&T/Firethorn offering seems to be opening up the door for the Patriot Act police to come crashing through. If I understand their model correctly, they would like the consumer to rely on a Carrier and/or a startup to manage their id and sign on credentials. While this single sign on approach may seem convenient to a consumer, having followed the evolution of Yodlee-like offerings, I can tell you there are a number of hurdles here that could cause this market unnecessary pain:1) Single Sign On offerings both online and moilbe always seem great in theory, but when the customer is asked to trust someone other than their bank or brokerage with their credentials (especially a non-financial services provider) everything screeches to a halt2) In this moilbe version of single sign on it appears AT&T/Firethorn want to own not only your bank info, but also your credit card data for moilbe payments...that seems safe :)3) By ATT/Firethorn owning the key to unlock this door, aren't they in fact on the hook for the transaction is something goes awry re: the Patriot Act?This latter issue seems to be the biggest one that no one is talking about...perception alone would seem to dictate that AT&T/Firethorn want to be seen as the "parent" to the transaction and that any violation of the Patriot Act would then in deed be on their watch. Am I missing something? Why would I want AT&T to run my accounts when I've been working with BofA for 17 years and never had an issue? Why are banks fighting this more? Would seem they have the most to win & loose here...Andrew
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