I'd really like to see a solution to how we validate ourselves to banks and other financial institutions as it becomes apparent that Social Security numbers are no longer an effective barrier to identifying a person. It would be nice if we could easily change our identifier and have a service which banks used to validate against.

Something similar to using Google to logon to certain services rather then creating a user name and password. Then you can make a single point much more secure and difficult to log into.

The downside of this is that I think the US government would have have an in person verification system to get an account. I.E. you go into the DMV, get an account and then you are connected to the service. You can then implement 2 factor authentication, and you link that service to your bank accounts.

I have no clue if this would actually be more secure then what is already in place, but it seems more then likely that hackers already have my Social Security number and my previous residences because of the OPM hack.