At a time when many people in the smart card industry have given up their search for a "killer app" that would spur mass-market acceptance, Pierre M. Combaluzier has decided that television is it.

"The only way to 'create float' for using smart cards is through mass media," said Mr. Combaluzier, president and chief executive officer of Interactive Cyber Television Inc., a Montreal company that goes by IC-TV. "We need to marry the smart card business with a friendly incentive system."

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