Thinking the unthinkable about EMV in the USA
The main reason for the switch to “chip and PIN” is, as we all know, to protect against fraud. But it only protects against one kind of card fraud and then it only protects completely if we do not...
View ArticleApp and pay is where it’s at
A few weeks ago, I said that Apple Pay isn’t disruptive (for retail payments) and I made the point that its real impact will be “in-app”. I want to explore and emphasis this point in the light of more...
View ArticleThe dawn of the cardholder-present transaction (Salford edition)
Well, today was the big day. Yes, a cusp in the annals of payment history. The day that mobile payments became real etc etc. Apple Pay in dear old Blighty! And a surprising amount of media attention....
View ArticleIt’s EMV day in the USA! So what?
It’s fair to say that Jeremy King of the PCI Security Standards Council and I do not always see eye to eye on things. In fact we’ve disagreed more than once (in public) about the usefulness of PCI-DSS....
View ArticleShould customers be charged more to use chip and PIN? Yes!
Now that more than one in ten retail card transactions is in the UK is contactless, I think we’re beginning to approach a tipping point around the technology. This is important, because I think it’s a...
View ArticleYes I heard the news, it’s the same old blues again
I love J.J. Cale. His 2001 live album is one of the most-played on my iPhone. Sadly, it’s doesn’t have a live version of one of my all-time favourite J.J. Cale tracks on it: I got the same old blues....
View ArticleWTF USA EMV CVM POS PIN SNAFU
I’ve been reading a lot of comment about the US EMV migration recently and there seems to be pretty universal condemnation of the process (some of it from me). In the UK, we had chip and PIN day...
View ArticlePayment card issuance errors leave you vulnerable to fraud
As Consult Hyperion, and as many other analysts, predicted, Covid-19 has driven the adoption and use of contact-free technology at the point of service. A recent survey funded by the National Retail...
View ArticleWill Brexit make stealing bank cards attractive again?
A couple of weeks ago I wrote a piece for our friends at Smartex; ‘Brexit and the UK Finance’s proposed £100 contactless limit’. Perhaps a title more worthy of grabbing readers would be ‘Will Brexit...
View ArticleChip and PIN? Remember that?
This weekend marks an anniversary. Although Consult Hyperion’s romance with smart cards had started many years before that, it will be fifteen years on Sunday that chip and PIN went live in the UK. I...
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