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

Digital Education: Learning to Fly or Jump, Before You’re at 30k Feet

It’s been less than six months since Walmart in our area flipped the switch for EMV credit cards, and so far I am unimpressed with how they’ve handled it: [WM Cashier] “That’ll be $xx ma’am/sir, go ahead and swipe your card.” [Customer does so] [WM Cashier sees the ‘alert’ on terminal screen and franticly grabs

Rapid Payments Changes, But To Where?

The old saying goes, “The more things change, the more they stay the same.” The band YES [I know….I just dated myself] famously sang, “Change changing places.” Another anonymous intellectual once said, “The only thing we can count on is change.” Flying home from a long two weeks of work travel and wondering to myself

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

The ATM Apocolypse? Or just surviving Windows 7?

Ten months ago, the hardcore buzz began within the ATM industry. It was September and I was with many colleagues at the 2013 TAG National Conference in New Orleans, ironically I was tasked with presenting an education session on the upcoming initiatives facing ATMs, specifically the expiring of support for Windows XP, looming migration to

Wanting the fastest car in the race but never wanting to change the tires?

Interesting article, and one that should spark some changes in mindset in our industry.  For way too long in the ATM industry, whether they be a FI or an ISO, the digital stewards have treated ATMs with the ‘deploy and forget’ mentality.  You’d think with the onset of Windows, ADA, deposit automation, card user specific

ATMIA 2014…a blast of information!

This year was my first as both an attendee and a presenter at ATMIA 2014 in Orlando, and it was a great experience. First, what a beautiful location at the Lowes Royal Pacific Resort across the canal (literally) from Universal Studios Park!  Though I am glad some things were thrown in for ‘free’ for being

Heads or Tales: The Windows 7 at ATMs Debate

I have had plenty of colleagues talking at TAG, ATMIA, and online about whether or not they “have to” or should migrate to W7 sooner than later.  The last 10+ years of replacements and upgrades have soured many pocket books.  The overall expense, besides your fleet size, really depends on what you had to do to

Are you ready for 2014?

Whether you decide to look at these guides for direction on EMV and Windows 7, use other industry documents available (several free online and from vendors), plan on working with your vendors, or working internally….you MUST have these on your radars to stay in tune, and in compliance, over the next 12-24 months.  You should already