It sounds intimidating but when you break it down into the the three main types...
- something you have
- something you know
- something you are
... it becomes very approachable.
And the benefits – in the form of increased security and peace of mind - make it worth understanding.
It also helps make the advantages of the new Chip & PIN credit card technology obvious. Chip & PIN was introduced in Canada a few years ago and it's coming to the US soon. It's hard to get excited about something we rely on as much as credit card payments but in this case the benefits are so great that the change (and the headache that comes the first time you have to enter your PIN on a credit card sale and you really can't remember if you even got around to setting it up...) is absolutely worthwhile.