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This second decade since the Millennium is seeing a major uplift in the use of cryptography in existing and new business systems. This uplift is likely to be disproportionately greater than the actual increase in business transaction volumes.
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An updated version of this article is available under this link.
There has been a substantial increase in the use of cryptographic techniques and Hardware Security Modules (HSM's) in larger commercial enterprises, and banks in particular, since the upsurge of online services in the late 1990's. Invariably this has been undertaken on a project basis, with each project having its own goals and initial budget.
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