[mannykannot]

Maybe, but the underlying problem is not a particular technology, or even technological in general; it lies in having a system built on false assumptions about the confidentiality of SSNs and other data.

Suppose we have a solution to the underlying problems. It would undoubtedly be difficult and costly for the financial industry to adopt it, and a startup that implements it will not be in a position to force its adoption. About the only thing that could would be regulation - but I'm not holding my breath.