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why korean online transactions has so many passwords?

It is really difficult getting anything done online in Korea. First of all you are forced to use Internet Explorer due to the Active-x control Crap. Then you need to install 3-4 different programs.The you need to type in passwords and then certificate password followed by 2 security card passwords..I mean this is totally crazy..So basically to get anything done it takes a whole lot of time and effort..

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