>> According to the recently [Dec 2012] published Kaspersky Security Bulletin 2012, Oracle Java was the most frequently exploited software by cybercriminals during the year, with Adobe Reader and Adobe Flash Player ranking in the second and third places, respectively.
http://www.kaspersky.com/about/news/virus/2012/Oracle_Java_s...
The problem I have is that I need to carry around a card reader for my credit card to get BankID working because my the credit card has the BankID signature in a chip to be able to use the software. I use the bank SEB.
From a convenience-viewpoint, I think it works quite well, but I don't know how secure it is if an adversary is determined enough. It's basically (birth number) + (personal password) + (either a key sent to your phone or a randomly chosen PIN from a paper you've been sent through regular mail)
1) the problems of having to teach users how to enable Java applets. Having done time on a customer support desk in a past life, I know full well that talking someone technologically inept through something like that would be hell on Earth.
2) and a point about how this idea works out less secure in practice as you're allowing 3rd party code to run natively on your machine, desensitising users to running 3rd party Java applets (or even encouraging people have the enabled to run by default). And scripts running inside PDFs are a known vector for attack as well.
I also disagree with the practice of pushing proprietary solutions which are only able to work on a single platform - which it sounds like their solutions are in-spite of Java and PDF being open and cross platform standards (I'm having to take the OPs word on that point - as I'm not a resident of the same country)
You need this to use the online benefits and tax systems and so on.
And it works horribly.
The hassles I've seen people have running Java and so on is horrifying. And the security - or lack of it - is staggering. It basically only works under Windows and on increasing insecure legacy browser configurations and so on.
They also use some PDFs with scripts in sometimes for forms that you have to 'sign'. I don't understand why they do this, but they do.
All in all, No No NO!