Maybe not for the better or for the worse, but they will have a significant impact on our lives. I have to agree. Smart cards are debit cards that act like those photocopy cards you see at your local library. They store electric cash on an encrypted microchip embedded within the credit-card sized device. A convenient way to pay for things.
Smart cards are secure.
But instead of memorizing your pass-phrase, all the security is embedded within the card. New products are coming out everyday to help you use a smart card to its full potential. A smart card wallet will transfer money between individuals without any authorization from a bank. Manufacturers like Hewlett-Packard and Microsoft will be including smart card readers in their upcoming keyboards and right now you can integrate your smart card and your computer through a device that inserts into your floppy drive. Soon, phones will be equipped with swipes.