Whole the source of problem is Korean majority is conservative. They don't want to change anything. And want to force their belief of right. And that belief in

Whole the source of problem is Korean majority is conservative. They don't want to change anything. And want to force their belief of right. And that belief in financial industry is current Korean online banking system. Korean financial industry practically has no freedom to choose some security solution, so even foreign banks - such as CitiBank - use that stupid system. And the conservativeness of the Korean majority elected conservative major party, and the party - of course - has no will to change it at all. And actually they enforces old rules to keep their existing benefits. So Korea has no hope to change this before replace major party. In last president election, there was a candidate promised fixing this issue, but finally defeated to candidate from conservative party. And they need to wait all the old McCarthyists - who are main supporters of conservative party - disappears.