ISO & Agent

Alipay and WeChat have become so common in China that many tourists are finding it difficult to pay for goods and services without the apps, writes Mike Ward, CRO and CEO of North America for WorldFirst.

The company plans to move into more retail payment processing as part of a broader diversification strategy that includes the acquisition of Cayan.

If your billing and payments system has API integrations it makes it easy for your most valuable business asset, your customers, to do business with you, writes Martha Salinas, senior vice president at Multi Service Technology Solutions.

From initial engagement through product purchase and post-sales interactions, retail technology offers a variety of ways to customize the shopping experience, writes Carl Mazzanti, founder and CEO of eMazzanti Technologies.

The proliferation of wearable devices, their increasing sophistication, the uptick in wearable-optimized applications and the willingness of consumers to trade PII for convenience is converging to create a perfect storm of risk that has the potential to threaten commercial enterprises, writes Michael Lynch, chief strategy officer at InAuth.

Rather than searching for a "silver bullet" and relying on a single line of defense, FIs and merchants should adopt a layered model combining different approaches and technologies, writes Elina Mattila, executive director at Mobey Forum.

While most Generation X-ers have been accustomed to learning new technologies, mainly through interacting with early adopters, they aren’t always enthusiastic about learning new systems, writes Hamidreza Ghanbari, CEO of Pilatus Bank.

Breaches help crooks diversify, but stolen cards thrive in the black market, writes Angel Grant, director at RSA's fraud and risk intelligence unit.

The idea that all of the money in cryptocurrencies has already been made misses the point. Innovative and sustainable ideas will emerge from the market frenzy, writes Dentacoin's Mariam Nishanian.

This dangerous "wild west" scenario of fraud and breaches is pushing improving or revamping online authentication to the top of this year’s to-do list for both online companies and governments, writes Robert Capps, vice president of business development for NuData Security.

To date, the vast majority of security investment has focused firmly on keeping the bad guys out. It only ever works to a certain extent. This is because there is much greater impetus for the hackers to devise new methodologies to gain access and the security industry at large is only ever playing catch up, writes James Barham, chief commercial officer at PCI Pal.

With merchant services provider Cayan firmly under its umbrella, Total System Services is prepared to venture deeper into retail acquiring and processing through Cayan's omnichannel Genius platform.

With less than three months before the PCI DSS Requirement 8.3 takes effect, all involved in the handling of cardholder data must take definitive steps to review, implement and upgrade their multifactor authentication strategies and implementation to assure compliance, writes Dirk Denayer, business solutions manager at VASCO Data Security.

QR codes, NFC and host card emulation are all favored among among merchants and mobile wallet providers, writes André Stoorvogel, director of product marketing at Rambus.

Debt transfers, dining rewards and easier security are all ways to enhance relationships with consumers are card options proliferate in a competitive environment, writes Thomas Donaldson, senior credit specialist at CompareCards.

Many organizations wait for a customer request before they will convert a document to an accessible format and do not advertise the fact that they can offer accessible documents, so many customers don’t realize they can request them, writes Ernie Crawford, president, CEO and founder of Crawford Technologies.

While the intermediaries that record and verify transactions such as payments are removed, the remaining parties may not be ready for shifting responsibilities to guarantee transactions, writes Sebastian Venderzeil, a director at Cornerstone.

New models are emerging, including joint initiatives between established banks and new alternative lending players, as well as those incorporating blockchain and cryptocurrencies, writes Eugene Green from WishFinance.

Account takeover's harder to quantify than payment fraud because it has so many elements and downstream impacts, writes Kevin Lee, trust and safety architect at Sift Science.

Integration is the future of business management. There’s an unlimited availability of powerful tools out there that make us wonder how we ever did business prior, writes Rob Nathan, an executive vice president at CardConnect.