The time has come for every commercial and government enterprise to recognize that traditional methods of security are no longer a deterrent to hackers and cyber thieves. Recent security breaches have proven that tokens are far too vulnerable, especially in cases where the data or information is mission critical and passwords, no matter how sophisticated, are easily compromised.
See also:
Privacy vs Security - A false choice
Unisys Poll: 63% of credit card users would prefer fingerprint
Return on Investment (ROI)