Payments, ATMs, Cards: Five Things I Know I Don’t Know…Sorta

[Originally published on LinkedIn November 4th, 2014] 1. ‘Will EMV at ATMs be ‘ready’ in the United States before the liability deadlines?’ Maybe. The domestic liability shifts (remember that the liability shift for inter-regional Maestro ATM transactions actually went into effect on April 19, 2014) for MasterCard are scheduled for October 2016. Visa’s liability shift

I’m No Apple Chearleader…but MCX Can Take a Hike

[Originally published on LinkedIn on October 30th, 2014] As someone working in the FI industry, it’s definitely been a busy few years, and a hurricane two months. Within the span of 14 days the Home Depot breach erupted, I was in DC for the Mobile & ATM 2014 Summit, ApplePay was announced, I presented PCI-DSS/ATM/PTS

Payments Future: Dealing With a Growing Threat

Bouncing from one conference to another the past week, first in DC and then in San Antonio…and I am still reading through my notes, and reminiscing about all the buzz around payments at the 2014 ATM&Mobile Summit, as well as the 2014 TAG National Conference with Diebold. If you get to go next year, I

The Windows are Cleaned. Now What?

Having ‘survived’ the conversion to Windows 7, not to mention upgrading to Diebold’s new Agilis 3.0 and a total processing conversion of PIN and ATM, for our ATM fleet and PIN debit processing, we are left looking out at the landscape to ask, “What’s next?” Speaking to many colleagues either on a one-2-one basis, or

Payments Security is a Moving Target…Pun intended

“Visa’s participation in FIDO complements its work with MasterCard and American Express to replace account numbers with a digital token for online transactions. The payments industry is hyper-aware of security issues in the wake of the holiday-season Target breach and with the expectation that the ongoing shift to EMV-chip cards will move fraud to e-commerce.”

EMV Adoption….quickly doing nothing is not a plan

While I don’t find this as shocking as some might ….anyone remember how long 3DES took and its hurdles to get compliance across the country? I do find it a bit short sighted. Yes, it’s costly. So is doing nothing. VISA & MasterCard have made strides since their unified AID statement in 2013 that has