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Card Security Is the Real Loser in the Visa-Walmart Dispute
The fight between Visa and Walmart over authenticating chip cards could have a negative outcome for everyone involved, regardless of which side wins.  more »
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Bloomberg News
For a customer to switch from a tried and true payment method to a new one, the provider must be able to offer a unique payment experience which offers concrete and obvious advantages like top-level security, unique rewards and unprecedented agility. For these reasons, the Merchant Customer Exchange's retailer-led mobile payments initiative CurrentC was bound to fail. more »
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There is an old saying by Mark Twain, "Never let the truth stand in the way of a good story, unless you can't think of anything better." Recently, Walmart filed a lawsuit against Visa complaining the company won't let it require PINs on transactions made with chip-enabled debit cards. more »
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When black market criminals use tighter security than global payment systems, you know the banking industry needs to wake up. Two-factor authentication (2FA) is now a standard practice on the ‘dark web,’ yet most banks require just one password to authorize transactions. more »
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Digital transformation goes beyond digitizing processes like payments or other financial services. more »
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While the benefits of coupon 'extreme stacking' are traditionally geared to consumers, it can also help retailers understand consumer behavior and better plan their marketing initiatives. more »
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Despite the confusion surrounding new electronic identity regulations in Europe, there's still plenty to be excited about. more »
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With the CFPB flexing its regulatory muscles, it's no surprise that collectors are making compliance a priority. more »
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Every business runs the risk of fraud, but some are more likely to be targeted than others. The customers you court, the products you sell and even the amount of time you have been in business can make you more vulnerable to an attack or more appealing to a cyber criminal. more »
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Transaction laundering is an increasingly popular scam, in which cyber-criminals hijack the legitimate payment process to sell all manner of illicit goods and services online. more »
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We all know bitcoin as an edgy and anonymous cryptocurrency. It provokes strong opinions. Department of Justice officials reference it in connection with real-life crimes, just as made-up bad guys reference it in movies. more »
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Unless the U.S. card business is able to offer merchants scaleable solutions that are cheaper and quicker to implement, there is a serious risk of full EMV migration taking several years to complete. more »
Are integrated payment gateways becoming overcomplicated? Small and medium sized businesses (SMBs) think so, and they’re migrating to cloud based alternatives because of it. more »