About 81 percent of major data breaches are caused by stolen or weak passwords. The average consumer is linked to about 90 online accounts that require passwords, making it virtually impossible for an individual to remember every password. Decentralization eliminates the password entirely and enables a business or service provider to communicate with users through PKI (Public Key Infrastructure) This is a set of roles, hardware and software, policies and procedures needed to create, manage, distribute, use, store, and revoke digital certificates and public-key encryption.”]