ISO & Agent

Credit bureaus can address identity theft by advancing the robustness of their security processes and abandoning outdated systems that rely on our personal information, writes Jason Brvenik, chief technology officer for NSS Labs.

Losses in sales and penalties from chargebacks may hurt business' sustainability, writes Monica Eaton-Cardone, chief operating officer at Cargebacks911 and Global Risk Technologies.

Competition between card networks, tech titans Facebook and Google, Chinese fintech proxies Paytm and Hike, and M-Pesa will be fierce, and offer signs how other large emerging payments markets may evolve, writes Eric Grover, a principal at Intrepid Ventures.

Equifax mismanaged its recovery by asking for personal information to determine if a user was affected and then issuing a predictable PIN code to those who requested a credit lock, moves that diluted confidence in the company, writes Timothy Crosby, senior security consultant for Spohn Security Solutions.

Jamie Dimon's comments on bitcoin don't consider the virtual currency's value and potential, writes Bharath Rao, CEO of Leverj.

Diminished returns from basic card breaches will turn crooks' attention to much larger and more dangerous attacks on entire payment systems, writes John Christly, global chief information security officer for Netsurion.

Card fraud is declining, making smaller merchants and other chip card laggards even larger targets, writes Allen Friedman, director of payment solutions at Ingenico Group, North America.

The Sonic breach coupled with the tsunami of recent breaches might just be the game changers that lead U.S. federal authorities to better protect the data collection, processing and storage of customer data, writes Robert W. Capps, vice president of business development for NuData Security.

Amid a series of breaches, banks and payment services companies would be far better served by building solutions and programs that work toward instilling consumer confidence, instead of creating situations that continually erode trust, writes Madeline Aufseeser, CEO of Tender Armor.

Very large, established industries like financial services have strongly entrenched ways of doing business that, over time, have become inefficient, writes Mariam Nishanian, a representative for Dentacoin, adding blockchain can change that.

There is a greater likelihood of an individual clicking on a piece of malware via a mobile device than a laptop, and this, in turn, provides issues for the amount of single sign on applications, writes Ryan Wilk, vice president of customer success at NuData Security.

TSYS has announced the resignation of Pam Joseph, less than 17 months after she joined the company as president and chief operating officer.

Electronic payments offer hospitals and practices a quicker, more efficient, trackable and safer way to collect, writes Jeffrey Brown, president of VPay.

New policies in China and Hong Kong may be a way to clear the path for those issuers that wish to launch legally compliant and responsible token sales, writes Joshua Ashley Klayman, an attorney at Morrison Foerster.

The benefits of adopting an end-to-end payments solution are substantial and will help businesses collaborate with vendors and customers, while saving time and money, writes Stephen Markwell, head of treasury services product strategy for commercial banking at JPMorgan Chase.

As ISOs evaluate payment partners, it’s important that to dig into their existing tools and also gain an understanding of what the company’s continued investment is going to be for the future, writes O.B. Rawls IV, CEO and president of iPayment.

With the explosion of data, and rapid advances in technology, we’re reaching a point where any company can take down the barriers to frictionless payments, writes Jason Tan, CEO of Sift Science.

Historically, the industry has placed much greater emphasis on preventing fraud at the point of transaction without doing enough to stop fraudulent account openings, writes Melissa Townsley, co-founder and CEO of GIACT systems.

Data breaches and payment hacks require not only tech measures, but crisis management. Had Equifax gotten out in front of the story, particularly during the slow news period of August, it would have earned kudos and perhaps mitigated some of the public scrutiny, writes David E. Johnson, CEO of Strategic Vision.

Seeing the successful “private label” debit programs at Target and Cumberland Farms has inspired more merchants to launch their own initiatives, writes Adam Frisch, CEO of Buy It Mobility Networks.