Brilliant stuff. THIS is something we need in my dear country Nigeria. Internet commerce has refused to take off because of the fear (sadly not misplaced). I

Brilliant stuff. THIS is something we need in my dear country Nigeria. Internet commerce has refused to take off because of the fear (sadly not misplaced). I am thinking if this service is not better positioned towards the Banks than the individuals themselves. There would be default permitted websites and locations from where transactions are permitted. If a new website wants to be "registered" they apply to the bank to be put on a whitelist. Presently, it is a blanket over securing that is taking place that makes it almost impossible to perform online transactions with Nigerian companies. Great job.