Published By: ToneTag
Published Date: Nov 14, 2019
Increasingly, retailers in APAC face the combined challenges of more demanding customers, shrinking profitability, increased competition, and complex online-offline experiences.
That’s why more retailers are adopting data-over-sound technology.
This technology allows customers to make mobile payments using sound to communicate with payment devices like credit card readers, or kiosk machines.
It also enables novel customer experiences, which allow retailers to drive in-the-moment sales, improve loyalty program stickiness, and eliminate queues, among other benefits.
And because it doesn’t require the Internet, and works even on feature phones, it can be leveraged in a number of scenarios such in pop-up markets, food courts, concerts, and door-to-door deliveries, among others.
Inside This Guide:
• The top 5 ways retailers are using data-over-sound
• 14 benefits for retailers
• Why sound-based experiences will take over APAC
Published By: ToneTag
Published Date: Nov 14, 2019
It’s critical for BFSI and fintech firms in APAC to enable frictionless payments to win the customer experience war.
Making it easier and more intuitive for customers to make payments opens new revenue channels for BFSI and fintech, increases customer loyalty, and attracts more merchants.
That’s why more APAC’s BFSI and fintech innovators are adopting data-over-sound technology.
This technology allows customers to make mobile payments using sound to communicate with payment devices like credit card readers, or other phones.
It is also flexible: It can transform any device with a speaker or a microphone into a payment device. This includes ATMs, food kiosks, etc. The benefit? BFSI and fintech firms can re-use existing assets, driving down innovation cost.
Plus, it doesn’t require the Internet, and works even on feature phones. This makes it ideal to acquire customers in rural and semi-rural markets.
Inside This Guide:
• The top 5 ways BFSI and fintech firms are using data-over-
Whether your company has been selling online for 20 minutes or 20 years, you are
undoubtedly familiar with the PCI DSS (Payment Card Industry Data Security Standard). It
requires merchants to create security management policies and procedures for safeguarding
customers’ payment data.
Originally created by Visa, MasterCard, Discover, and American Express in 2004, the PCI DSS
has evolved over the years to ensure online sellers have the systems and processes in place
to prevent a data breach.
Published By: First Data
Published Date: Apr 25, 2013
Traditional direct mail campaigns often deliver anemic response rates and direct mail campaigns sweetened with discounts don’t fare much better. Poor results combined with escalating printing and mailing costs and changing consumer expectations means that businesses must find more effective ways to get consumers’ attention.
A compromised account is 17 times more valuable than a stolen credit card number. That’s why fraud bots, loaded with stolen credentials, use their lists of username/password pairs on thousands of websites. Credential stuffing bots can lead to data theft, customer identity fraud, and account takeover on your site.
Learn about the risk to your business from credential stuffing bots in the Akamai infographic, Credential Stuffing 101: The Risk of Bots to Your Business.
Stories and statistics behind successful analytics projects
The adoption of analytics across the enterprise is accelerating, and with good reason. Analytics can offer a competitive advantage by helping to identify growth opportunities, circumnavigate risk and improve customer relationships. These insights are becoming crucial parts of the business strategy for executives representing a wide array of industries.
Check out our latest eBook to see how some of the world’s leading companies are using analytics to meet their needs. You’ll receive diverse examples of how organizations applied the latest statistical methodologies, such as: scorecard build, regression, decision trees, machine learning and material change to uncover meaning in data.
The examples represent global brands across critical industries – Financial Services, Insurance, High-Tech, Aerospace, Manufacturing and others – where analytics helped answer their most challenging questions.
Organizations handling transactions involving credit or debit cards are facing increasing pressure to meet regulatory compliance mandates. In particular, they must comply with the Payment Card Industry Data Security Standard (PCI DSS) version 3, which went into effect in January of 2015.
Advanced persistent threats (APTs) are stealthier and more spiteful than ever. Sophisticated techniques are used to quietly breach organizations and deploy customized malware, which potentially remains undetected for months. Such attacks are caused by cybercriminals who target individual users with highly evasive tools. Legacy security approaches are bypassed to steal sensitive data from credit card details to intellectual property or government secrets. Traditional cybersecurity solutions, such as email spam filters, anti-virus software or firewalls are ineffective against advanced persistent threats. APTs can bypass such solutions and gain hold within a network to make organizations vulnerable to data breaches.
CA Technologies (NASDAQ: CA) creates software that fuels transformation for companies and enables them to seize the opportunities of the application economy.
Software is at the heart of every business, in every industry. From planning to development to management and security, CA is working with companies worldwide to change the way we live, transact and communicate—across mobile, private and public cloud, distributed and mainframe environments.
Predictive analytics have been used by different industries for years to solve difficult problems that range from detecting credit card fraud to determining patient risk levels for medical conditions. It combines data mining and machine-learning technologies to create statistical models based on historical data. It then uses these models to predict future events. Extracting the power from the data requires powerful algorithms behind predictive analytics.
The Payment Card Industry Data Security Standard (PCI DSS) was first introduced in 2004 to increase controls over credit card holder data and to reduce the chances of credit card fraud. Validation is required annually and over the years, it has evolved with new revisions periodically. The latest one, version 3.2 came into force in April 2016. Until the end of January 2018, PCI DSS and Payment Application Data Security Standards (PA-DSS) are considered best practice to implement, and starting February 1, 2018, are considered a requirement.
Updated for PCI DSS Version 2.0 where internal scanning is now required!
With the recent updates to PCI DSS, get all the facts and learn how to comply with our updated version of the book.
The book is a guide to understanding how to protect cardholder data and comply with the requirements of PCI DSS. It arms you with the facts, in plain English, and shows you how to achieve PCI Compliance. Discover:
. What the Payment Card Industry Data Security Standard (PCI DSS) is all about
. The 12 Requirements of the PCI Standard
. How to comply with PCI
. 10 Best-Practices for PCI Compliance
. How QualysGuard PCI simplifies PCI compliance
It’s not exactly breaking news that cardholder security is front and center of the payments ecosystem “to do” list. And, with that, the search for a solution that keeps cardholder data secure without compromising the consumer experience at checkout. Nowhere is this more important than online, where the incidences of fraud are increasing, and it becomes harder to authenticate the user.
Privileged Access Management is an imperative to addressing PCI compliance. Yet its importance extends beyond just meeting PCI compliance requirements as it allows an organization to improve its overall security posture against today’s external and internal threats. CA Privileged Access Manager provides an effective way to implement privileged access management in support of PCI compliance and other security needs.
In today's digitalized economy, web applications and the browsers that connect
to them predominantly rely on the Secure Socket Layer (SSL) and Transport Layer Security
(TLS) protocols to encrypt sensitive business information and personally identifiable
information (PII) – such as customers’ credit card details, user account passwords,
corporate sales and payroll data, etc. – before sending them securely over the internet.
SSL/TLS encryption ensures information transmitted over the internet through e-mails,
e-commerce and online banking transactions and a myriad of cloud and online services
are kept secure.
Published By: Experian
Published Date: Aug 29, 2019
Card-not-present fraud is estimated to reach $19.3 billion by 2022. Online payment fraud will grow 13.7% from 2017-2022 – Juniper
Dive deeper into these data points with a focus on assessing the impact, challenges and opportunities presented by emerging payment mechanisms and regulation, as well as an in-depth assessment of sector-specific trends and outlook in regard to digital fraud. It provides essential reading for those wishing to understand where the key strategic focus should lie and how market forces are affecting the industry.
Data—dynamic, in demand and distributed—is challenging to secure. But you need to protect sensitive data, whether it’s stored on premises, off-site, or in big-data, private- or hybrid-cloud environments. Protecting sensitive data can take many forms, but nearly any organization needs to keep its data accessible, protect data from loss or compromise, and comply with a raft of regulations and mandates. These can include the Payment Card Industry Data Security Standard (PCI DSS), the Health Insurance Portability and Accountability Act of 1996 (HIPAA) and the European Union (EU) General Data Protection Regulation (GDPR). Even in the cloud, where you may have less immediate control, you must still control your sensitive data—and compliance mandates still apply.
A Payment Card Industry Data Security Standard (PCI DSS) audit can be passed by complying with the bare minimum requirements, but that falls short of the purpose of it: to secure and protect cardholder data.
Meeting compliance is about passing an audit at a specific point in time and also maintaining it after the audit. The real challenge is sustaining continuous compliance to avoid costly breaches at the hands of motivated and skilled adversaries.
Indeed, as detailed in Verizon's "2017 Payment Security Report," nearly half (45%) of the companies examined between 2015 and 2016 were not fully PCI DSS compliant.
Published By: FireEye
Published Date: Mar 05, 2014
Never before have state and local governments been expected to do so much with so little. Even as budgets remain tight in a post-recession environment, tech-savvy citizens demand higher levels of service, they want to pay taxes by credit card, renew their driver's license online, and check traffic from their smartphone.
These responsibilities make cyber security critical for state agencies, municipalities, and public utilities. Governments possess residents' most sensitive information - including inviolable personal data such as Social Security numbers and birth certificates.
This white paper highlights:
Why traditional tools fail to detect advanced attacks;
Gaining a cohesive, correlated view of all major threat vectors;
How to leverage signature-less, real-time security that thwarts zero-Day attacks.
Credit Union Times is the nation's leading independent source for breaking news and analysis for credit union leaders. For more than 20 years, Credit Union Times has set the standard for editorial excellence and ethical, straight-forward reporting.