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High-speed and area-efficient Montgomery modular multipliers for RSA algorithm has been developed for digital signature and user authentication in high-speed network and smart card systems. Multiplier-accumulator (MAC) in the developed Montgomery modular multiplier has non-identical multiplicand/multiplier word length. This organization eliminates the bottleneck in memory bandwidth, and enables to use single-port memory for area and power reductions. The developed MAC is faster than the common word length organization due to short critical path. 5,000 digital signature productions/sec is obtained with a three-stage pipelined architecture in 0.18 μm CMOS technology.