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Incomplete account of digital certificates

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I refer to the Forum article headlined 'E-commerce growth in HK under threat from tax bill' written by Allan Dyer (Technology section, March 4), which suggested that the government's proposals to allow citizens to submit their tax returns using number passwords instead of digital certificates was a big step backward for e-commerce and consumers.

Unfortunately, the article presented a very biased picture of the issue, neglecting several key elements.

The article made several implicit assumptions, which were that:

Digital certificates are safe;

Digital certificates can be used by all citizens;

Digital certificates would have been a success if they had just been promoted; and

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