  Security and usability issues with passwords suggest a need for a new
authentication scheme. Several alternatives involve a physical device or token.
We investigate one such alternative, Pico: an authentication scheme that
utilizes multiple wearable devices. We present the grounded theory results of a
series of semi-structured interviews for exploring perceptions of this scheme.
We found that the idea of carrying physical devices increases perceived
personal responsibility for secure authentication, making the risks and
inconvenience associated with loss and theft salient for participants. Although
our work is focused on Pico, the results of the study contribute to a broader
understanding of user perception and concerns of responsibility for any
token-based authentication schemes.
