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More Breaches? How to Ensure Cardholder Protection

By Ray Wizbowski

September 30, 2014

While breaches occur frequently within multiple industries, the buzz from recent events is getting attention at the highest levels. From customer inquiries, to press, to congressional hearings, the focus of the conversation has tended to fall into a few key themes ranging from the logical aspects of the network to the physical security layers of […]

EMV 101 Series: The 5 W’s

By Ray Wizbowski

September 18, 2014

The EMV 101 series provides go-to-resources for those who are interested in learning more about EMV payment technology and EMV migration in the US. This is the first entry to this series that gives readers the basics of EMV.  As we progress throughout the series, we will go more in-depth on the EMV technologies and applications […]

High Security ID Documents – Using the QSDC Framework

By Nick Nugent

September 3, 2014

For anyone involved in the production of a high security identification document — whether a driver’s license, national ID, passport or other — the risk of the program is a constant concern. Will the document look good and hold up after years of use? How do we make it affordable? Can we make the document […]

Creating a Positive Customer Experience Post Data Breaches

By Ray Wizbowski

July 30, 2014

The recent large credit and debit card data breaches have undoubtedly strained the daily card production operations of many banks, bureaus and other large card issuers and shine a bright light on two key concerns. The first concern, of course, is prevention. The second concern centers on the replacement of both cards and trust across […]

EMV Migration: All Players Need to be On Board

By Ray Wizbowski

July 9, 2014

The landscape for payment transactions is quickly evolving, and the financial industry is looking for a clear answer as to what is next. All fingers are pointing toward chip-based payment standards, also known as EMV smart cards. And many countries outside of the U.S. have already adopted the EMV standard.  In fact, approximately 42 percent […]

Combining Mobile Banking and Mobile Wallets – Creating the Ultimate Customer Experience

By Sebastien Tormos

June 6, 2014

As the industry evolves, many organizations are now asking themselves how mobile wallets can play into the overall mobile banking experience.  Take for example a recent article that was published, Time to Merge Mobile Payments with Mobile Banking, which states: “Financial organizations should begin preparing today for when the payments method takes off; and that industry experts […]

Reducing Complexity and Strengthening Trust in a Highly Connected World

By Melissa Prosen

May 20, 2014

The market demand for connectivity is growing tremendously.  From 2011-2016, combined demand for citizen, consumer, and employee secure identification needs are expected to grow 18% annually – which means that we will continue to evolve into an even more highly-connected and complex world. By 2017: 30B devices are expected to be Internet connected, including over […]

How to Effectively Deploy a Mobile Wallet

By Ray Wizbowski

May 12, 2014

Today’s financial landscape is no longer tethered to traditional cards. New devices and new technologies are creating an opportunity for organizations to develop new ways of doing business – and one of these is undoubtedly mobile.  As mobile devices continue to change human’s lives with increased convenience, a growing number of financial card issuers are […]

Reducing Cost and Complexity for High-Volume Card Operations

By Dino Balafas

April 21, 2014

High-volume card issuance operations are under constant pressure to increase production efficiency without driving up cost. These operations are working within the constraints of tight reissue delivery timelines, service level agreements (SLAs) and stringent security requirements. Mistakes in a large production run caused by a single operator error could cost in excess of $25,000 in scrapped […]

The Heartbleed Bug

By Kristin Eckmann

April 11, 2014

Earlier this week, on April 7th, 2014, news broke that a threat named the Heartbleed bug was discovered by researchers at Codenomicon and Google. The Heartbleed Bug is a serious vulnerability that attacks the heartbeat extension implemented in OpenSSL. This weakness allows the ability to steal information protected, under normal conditions, by the SSL/TLS encryption used to […]