Bahaa Abdul Hadi puts out his opinion on the pros and cons of Smart Cards. They are chip cards that can be used in different applications and offer various benefits. While the benefits of smart cards are well-known, the cons or disadvantages also need to be understand.

To help you understand all about smart cards, Bahaa Abdul Hadi has listed the pros and cons in detail.

The pros of smart cards

The pros or advantages of using smart cards are as below:

  • Smart cards make transactions faster and are easier. They can also have a processor on the card making data processing more efficient.
  • Since they use authentication and encryption, they are secure to use. This makes it useful where confidential data has to be stored on the cards.
  • The microchip on the card is tamper-proof in nature. This enhances the security of the card.
  • Smart cards are convenient to carry around. In the banking sector, they are an alternative to cash. Instead of carrying cash, smart cards can be used. These cards are secure and hence less risky than cash.
  • Apart from reading data stored on the card, it also possible to write data on to the card. This allows details of transactions to be stored.
  • Smart cards can be used as identity cards. They can even be used to record attendance and regulate physical access to workplaces.
  • The biggest benefit is that the use of smart cards with authentication features help to prevent fraud.
  • Smart cards are less expensive and can be made in bulk to save costs.
  • The cards can be read by different types of readers. The cards can be read even without contacting the card reader.
  • Different types of smart cards are available that make the cards useful for different types of applications.

The cons of smart cards

The disadvantages or cons of using smart cards are:

  • Smart cards are small in size. As a result, there is a chance that the card can get lost or be misplaced. Losing a card that is used for banking or for access control can be a big problem.
  • All types of cards are not secure. If they do not have authentication features like a PIN code or biometric, they can be misused.
  • While the cards are low-cost from the user point of view, businesses need to add card readers to access them. They also need to have software to access card data.
  • If the cards are not developed using secure processes, there is a risk of hacking. This can lead to identity theft.

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