Comment # 1 on bug 1232669 from Thorsten Kukuk

(In reply to Matthias Gerstner from comment #0)

> The reason why it fails is, that it looks for the gdm-smartcard PAM file in
> /etc, not in /usr/lib/pam.d:

This is a generic upstream bug, the official Linux-PAM config directories are
since many, many years /usr/lib/pam.d and, if there is no config, /etc/pam.d as
fallback.
That's meanwhile used by many distributions and not openSUSE specific.