For clues to where smart cards are headed in the United States, go to college. Just as the student population was the first to embrace ATMs over 20 years ago, so too it seems will universities be important indicators of the future of smart card technology. And fertile ground can be found in the unique structure of U.S. campuses which, unlike anywhere else in the world, offer a gamut of services to students, faculty, and staff.

Institutions of higher learning provide the most visible and numerous examples of the technology in all its multi-application glory, offering a variety of identification, payment, and security services.

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