What industry sectors are ripe for disruption?

Most cards have been upgraded to use Chip and Pin, which offers some level of security. However the old mechanism of signatures is still valid as a fallback option. Often people's signatures are inconsistent, making the need to forge them redundant and the process of checking them mere lip service security; and that's assuming the person's even bothered to sign their card.

Even when chip and pin is available and working, most people don't hide this 4 digit code, making it pretty easy for a supposed bystander to observe and remember.