Abstract
There have been several high profile attempts to introduce the smartcard to
financial services cardholders, none of which have truly leveraged the
capabilities of the technology. But, the smartcard continues to gain processing
power, memory capacity, and advocates around the globe. This report puts the
multiapplication smartcard under the microscope, assesses the capabilities of
the two major operating systems on the market today; MULTOS and Java Card, and
predicts an eventual evolutionary path for bank issued smartcards in the US. | 
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