The problem I see with 3rd party apps like Clef is that we're now adding at least 2 or more companies that we have to entrust with our login processes, Clef, and our mobile OS to name just two. I don't think that is the right tack to solving the unauthorized access problem. I don't see this solving the password problem either because one might as well install a password program to remember the passwords and fill them in automatically. At least with that solution, you don't have to rely on another companies servers.

For a more seamless login experience Persona is a nicer, hassle-free solution. And finally, I'm very hesitant to make a mobile device more important than it already is. The more important we make it, the more dangerous the security risk. Having to increasingly rely on a mobile for everything is not something I want, for various reasons ranging from practical to philosophical. As a consumer, I'd rather be moving in the opposite direction (using a phone as a tool rather than being a slave to a be-all, do-all, always-needing-to-be-by-my-side device). I think it's healthier in the long run.