We need to start thinking about the severe lack of privacy and security in a smarter manner. The Equifax breach is one in a long line of personal data mega breaches. The world is awash with accounts that every time we want to transact online, we have to open up a new account. The collection and processing of all this customer data are coming under scrutiny with the likes of GDPR, and other local data protection bills. Services who consume personal data need to ask: Do we really need these data to transact or can we get away with just knowing that person really is who they say they are?”]