OK so Korea has this weird system which says most banking/e-commerce transactions must be authenticated by a home-grown, country wide asymmetric crypto system. Basically to do commerce stuff online, you need to get a public key certificate that you can sign your online activity with from either the government or a banking institution.
The crypto nerds (including me) might think this is a splendid idea--perfect security!
The downside: they did this to shift the blame to the consumer if something goes wrong. If there is a credit card fraud, the consumer is automatically at fault by default, since obviously the consumer mishandled the public key crypto file. This makes sense, but this also means no chargebacks and other nasty side effects.
Also, this also meant that you had to install a bunch of ActiveX verging-on-malware-ware to get your banking shit settled. Now it supports Chrome and Firefox but holy crap, they install a ton of weird malware protection software and I'm pretty sure some of them take a cut from your computer's performance and stability. I'm just glad they don't display fucking ads.