The Citi never types?

This is a wonderful attempt by the Citibank Guys, and it also stirring mixed feelings about itself.
Let's call it the CitiKeyPad!

Well, there are some things that are Good! And other things that are bad! Just like every other thing around...and soon things will be refined and evolve towards perfection.

What's Good about CitiKeyPad?

1. With the rise of Spyware programs and other trojans and keyloggers, you are saved of the threat of your keystrokes being trapped.

2. The KeyPad has a way of refreshing itself into several permutations over time, and so is as unpredictable for an onlooker.

3. The low contrast in the background and foreground color makes it tough to identify from a distance what was being clicked.

What's bad (like almost everything else, nobody's perfect) about CitiKeyPad?

1. The low contrast is tough for the user to figure out the letters.

2. The proximity of the letter tiles is a tremendous usability problem. You don't know if you clicked S or D.

3. Midway through, your phone rings and you lose track of where you were. Can I undo? Start from scratch?

It definitely is a precocious and thoughtful attempt towards security, but pondering certain design and User Experience issues should bring about a wonderful progress.