Podcasts about 3d secure

In this episode, hosts Steve Carran and David Millili speak with Theresa Ellsworth from Sertifi at the Hospitality Show.Theresa, a hospitality technology veteran, discusses the growing challenge of credit card fraud and chargebacks in the hotel industry. She shares valuable insights on preventing criminal fraud, handling friendly fraud, and implementing digital authorization solutions.In this episode, you'll learn about:What are the essential fraud prevention tools?The importance of 3D Secure technology.How can hotels reduce credit card processing fees and streamline their payment processes using e-commerce merchant IDs? The practical tips for hoteliers to protect their revenue.Join the conversation on today's episode on The Modern Hotelier LinkedIn pageThe Modern Hotelier is produced, edited, and published by Make More MediaLinks:LinkedIn: https://www.linkedin.com/in/theresaellsworth/Sertifi: https://corp.sertifi.com/For full show notes head to: https://themodernhotelier.com/episode/111Follow on LinkedIn: https://www.linkedin.com/company/the-...Connect with Steve and David:Steve: https://www.linkedin.com/in/%F0%9F%8E...David: https://www.linkedin.com/in/david-mil...

As consumers, we may realize the need to be vigilant by using two-factor authentication and password managers, but there are so many scams out there that can impersonate legitimate organizations, websites, and people. We really can't let our guard down. Today's guest is Soups Ranjan. Soups has over 18 years of experience in software engineering, data science, and risk management. He is the co-founder and CEO of Sardine. This behavior-infused platform offers fraud prevention, compliance, and payment solutions for various industries including banking, online marketplaces, FinTech, crypto, online gaming, and gift card exchanges. Previously, Soups led the Risk and Data Science teams at CoinBase, where he scaled the platform and enabled millions of users to buy, sell, and store cryptocurrency securely and efficiently. Show Notes: [1:15] - Soups shares his background and information about his company, Sardine. [4:30] - He has not been a victim of a scam online but did experience an in-person scam. [6:57] - Sardine works with a diverse set of clients. Trends differ based on the industry. One major trend is an increase in triangulation fraud. [9:07] - Once they have card details, they can pretty much do whatever they want with it. [11:40] - Even on a contactless card, using tap-to-pay, be careful. Don't hand over your device. [12:43] - It is becoming increasingly difficult to verify the identities of merchants. [15:21] - There is a big rise in scams as a result of the demand for real-time money transfers and exchanges. [17:45] - Some scammers are instructing victims to install screen viewers and recording tools. [19:50] - Machine learning is used to help protect clients. [21:41] - There are intrinsic behaviors that Sardine monitors to watch for unusual activity. [24:41] - Soups describes some of the other types of data that is observed in addition to behavior. [27:08] - Soups explains 3D Secure and what the benefits of this system are. [30:41] - Dollars lost to scams have far surpassed the dollars lost to fraud. [33:37] - The United States is behind in regulatory measures. [35:59] - It is best to work with banks that take fraud and scams very seriously. [37:15] - Soups lists some of the red flags and be on the lookout for. [39:44] - It is extremely important to protect your email address in the same way you protect your bank account. Thanks for joining us on Easy Prey. Be sure to subscribe to our podcast on iTunes and leave a nice review.  Links and Resources: Podcast Web Page Facebook Page whatismyipaddress.com Easy Prey on Instagram Easy Prey on Twitter Easy Prey on LinkedIn Easy Prey on YouTube Easy Prey on Pinterest Soups Ranjan on LinkedIn

What if every time you went to pay for something at a store, the clerk behind the counter had a different terminal for each card network - one for Visa, another for American Express, and a few others for local domestic networks? That was what much of the world was like decades ago - and it still is a bit like that in some countries today. But in 1999, collaboration entered the picture when Europay, Visa, and Mastercard came together to create a common specification for Chip and PIN so that any chip-enabled card could be read from any chip reader anywhere in the world if both complied with a common EMV specification. That significantly impacted Chip and PIN adoption - for merchants and consumers. Today, EMVCo supports seven EMV technologies. As a consumer, when you insert your card into a reader, “tap to pay,” or pay using Secure Remote Commerce, or as a merchant, accept payment through a mobile device or a QR code, support a tokenized card credential, or 3D Secure technology, you are benefiting from the work of EMVCo. In this episode, we talk with Oliver Manahan to understand how EMVCo fulfills its mission, catch up on its 2023 initiatives, and try to peek over the horizon to see what might be in store next for EMVCo.

La Upgrade 100 Live Talks de la Radio Guerrilla, în săptămâna internațională dedicată conștientizării Securității Cibernetice, Marian Hurducaș a abordat schimbarea peisajului Cybercrime & Cybersecurity odată cu disponibilitate pentru mase a tehnologie Generative A.I. pe care se bazează inclusiv Chat GPT dezvoltat de OpenAI. Invitații: Alin Becheanu - în prezent supervizează echipa de prevenire a fraudelor din cadrul ING Bank Romania, și Vladimir Ghiță, CEO Fort - în prezent coordonează activitatea generală a Fort, companie care tinde a deveni un lider regional și global în cybersecurity. Printre întrebările pe care le regăsești aduse în discuție:

When recession is on the horizon, most businesses hunker down and do all they can to hoard the money they have—but you can use this as an opportunity for growth. Today, I'm giving you 6 tips that are proven to help recession-proof your business: 1 - a growth opportunity through ad spend 2 - stay ahead of the curve by focusing on getting your current customers to spend more 3 - utilize email capture and nurture cart abandonment issues 4 - understand your bank decline messages 5 - use frictionless 3D Secure and self-service options to minimize chargebacks 6 - automate customer service to minimize costs and better assist customers These tips include tactics that are proven to help you recession-proof your business. When things start getting tough, that's not necessarily a sign you should jump ship. Instead, focus on acquiring customers and caring for the ones sticking with you. In the end, you'll have the opportunity to gain market share and crush the competition. Chad Hamzeh episode: https://youtu.be/uij82TgYebQ (https://youtu.be/uij82TgYebQ) idEngine: https://idengine.com/ (https://idengine.com/) Reduce Refunds: https://youtu.be/EM0-eKhR18A (https://youtu.be/EM0-eKhR18A) Increase Bottom Line: https://youtu.be/0bnIVztmQ1E (https://youtu.be/0bnIVztmQ1E) 00:00 Recession-proofing Your Direct Response Business 01:24 Opportunities During Recession 03:32 Nurture Your Customers Through Checkout 05:46 Secure the Sale with Email Capture 07:46 Card Declines and Minimizing Chargebacks 11:35 Customer Service to Reduce Costs Connect with Maria: Maria Sparagis Website:http://mariasparagis.com ( http://mariasparagis.com) DirectPayNet Website:https://directpaynet.com ( https://directpaynet.com) LinkedIn:https://www.linkedin.com/in/mariasparagis/ ( https://www.linkedin.com/in/mariasparagis/) Facebook:https://www.facebook.com/mariasparagis.directpaynet ( https://www.facebook.com/mariasparagis.directpaynet) Instagram:https://www.instagram.com/directpaynet_paymentsolutions/ ( https://www.instagram.com/directpaynet_paymentsolutions/) Twitter:https://twitter.com/directpaynet ( https://twitter.com/directpaynet)

Viceprezidentka pre Business Development spoločnosti Payout, Martina Hanusová, nám v tomto rozhovore vysvetlila, ako čo najlepšie využiť platobnú bránu na e-shope. Ak vás zaujíma, čo všetko môžete z toho vyťažiť, určite si vypočujte celé interview. V rozhovore sa dozviete: 01:14 Ako sa dokáže Payout prispôsobovať rôznym riešeniam? 02:45 Čo je dnešným štandardom platobnej brány? 05:13 Ako sa dá platobná brána importovať priamo na web? 06:34 Dá sa obísť zabezpečenie 3D Secure? 07:36 Čo riešia malé, čo veľké e-shopy a je možné cez Payout vrátiť platbu? 12:31 Akým spôsobom sa Payout bráni proti podvodom a chybám? 16:52 O čom je funkcia Request To Pay? 18:07 Čo je hlavnou výhodou Payoutu pre klientov a čo je PSD2 licencia? 19:46 Dá sa spustiť platobná brána za hodinu? 23:45 Záver

About the guest: Thomas Bertrand, boss of Ship&co, is a Shopify ecosystem pioneer for now 15 years, and started using Shopify when it was still in beta! Thomas lives in Japan. He is managing Ship&co, an App helping merchants automate their shipping process so that they can ship an order in less than 20 seconds. He is also a Shopify merchant, selling bento boxes on BentoAndCo.com. - Thomas Bertrand on Linkedin - Ship&co website - Bento&co website More info on the news discussed: - Business Insider article regarding Shopify fulfillment strategy - Shopify 2021 Financials - Shopify help center regarding Shopify Markets - Shopify changelog on inventory adjustments reasons - Shopify changelog on 3D Secure orders categorization - Shopify changelog on subscriptions Apps supporting Apple Pay - Shopify changelog on reports by purchase option - Shopify changelog on easy theme updates - Shopify changelog on new free themes - Shopify changelog on flows from the admin - Shopify changelog on Wait step in Shopify Flow - Shopify changelog on the new custom App rules - Mac Rumors article regarding Apple's Tap to Pay - Coinbase blog post regarding Tobi Lütke joining the Board You can follow: - The @ShopiShopaShow on Twitter - @ShopiShopa Consulting on Twitter, Instagram, Linkedin - @ChristopheDavy on Twitter - @ChristopheDavy on Linkedin Also: - Visit ShopiShopa Consulting website - Read ShopiShopa Consulting blog

Reed Taussig, Chief Executive Officer, OutseerMore than 17 million UK customers have used BNPL products, and many banks are moving into the field to compete with the likes of Klarna and Clearpay. Growth in fraud is inevitable, including the creation of fake accounts to purchase high-value items and the hijacking of existing customer accounts. So, what can be done to protect both merchants and consumers, as well as banks themselves? As Reed Taussig, CEO of Outseer, tells Robin Amlôt of IBS Intelligence, machine learning tools may be used to determine the likelihood of a transaction being fraudulent. Firms may also opt for biometric facial detection capabilities to enrol new account holders.

Armen Najarian, CMO & Chief Identity Officer, OutseerUK Finance's latest report on financial fraud in the UK describes the level of fraudulent activity, which cost some £753.9 million in H1 2021, as ‘a national security threat'. What does this actually mean for the payments industry, and will the increasing take up of the 3-D Secure 2.0 protocol provide a panacea? Robin Amlôt of IBS Intelligence speaks to Armen Najarian, CMO and Chief Identity Officer at fraud prevention company Outseer. 

150 mil cámaras de vigilancia hackeadas muestran videos que van desde las fábricas de Tesla hasta hospitales psiquiátricos. El grupo de amenazas chino Hafnium compromete a cientos de miles de servidores de correo electrónico de Microsoft Exchange en todo el mundo. Arrestan a los ciberdelincuentes detrás de la campaña de phishing de Fedex que convenció a miles de víctimas en España. 3D Secure evoluciona para contrarrestar la creatividad infinita de los cibercriminales para con el fraude financiero de pagos online. Una nueva vuelta de tuerca en el manual cibercriminal: te cifro los datos, te los robo y extorsiono a tus empleados y clientes. Gab, una plataforma de comunicación asociada con la extrema derecha, ha sido comprometida, dos veces, y los datos de sus usuarios expuestos. ¡Recuerda que a partir de ahora tendremos debate en twitch! Suscríbete en twitch.tv/tierradehackers Notas y referencias en tierradehackers.com

150 mil cámaras de vigilancia hackeadas muestran videos que van desde las fábricas de Tesla hasta hospitales psiquiátricos. El grupo de amenazas chino Hafnium compromete a cientos de miles de servidores de correo electrónico de Microsoft Exchange en todo el mundo. Arrestan a los ciberdelincuentes detrás de la campaña de phishing de Fedex que convenció a miles de víctimas en España. 3D Secure evoluciona para contrarrestar la creatividad infinita de los cibercriminales para con el fraude financiero de pagos online. Una nueva vuelta de tuerca en el manual cibercriminal: te cifro los datos, te los robo y extorsiono a tus empleados y clientes. Gab, una plataforma de comunicación asociada con la extrema derecha, ha sido comprometida, dos veces, y los datos de sus usuarios expuestos. ¡Recuerda que a partir de ahora tendremos debate en twitch! Suscribete en twitch.tv/tierradehackers Notas y referencias en tierradehackers.com

In this episode of Gateway to E-Commerce, David Fletcher, ClearSale’s Senior Vice President, and Denise Purtzer, ClearSale’s Vice President of Partnerships and Alliances, join Rafael Lourenco, ClearSale’s Executive Vice President, and Sarah Elizabeth, ClearSale’s Senior Director of Marketing. Together, they discuss how 3D Secure offers security and authentication for customers and merchants — and how it might impact the customer experience.

On December 1st of 2020, RSA announced the appointment of Reed Taussig to CEO of RSA Fraud and Risk Intelligence. Mr. Taussig discusses his background, what drew him to RSA, the opportunities he's identified for the business, and developments in the fraud market throughout the tumultuous year that was 2020. He also discusses 3D Secure payer authentication, GDPR, and the California Consumer Privacy Act.

On December 1st of 2020, RSA announced the appointment of Reed Taussig to CEO of RSA Fraud and Risk Intelligence. Mr. Taussig discusses his background, what drew him to RSA, the opportunities he's identified for the business, and developments in the fraud market throughout the tumultuous year that was 2020. He also discusses 3D Secure payer authentication, GDPR, and the California Consumer Privacy Act.

Kreditkartenzahlungen werden auch in Deutschland immer beliebter. Um Kreditkartenzahlungen immer sicherer zu machen, gibt es 3D - Secure von Mastercard und Verify by Visa. Doch das kann auch die Conversion-Rate senken. In der heutigen Folge bekommst Du einige Impulse was Du dabei beachten musst. Höre Dir jetzt die Folge an. www.commerce-or-die.online Gemafreie Musik von www.frametraxx.de Unsere Station-Voice https://www.abi-chriette.de/ #commerceordieonline #codo #mehrumsatz

3D Secure, the first time through, created a lot of friction in the buying process for consumers that tended to leave them feeling more annoyed than secured, and more inclined to abandont their purchases. But as PAAY CTO Adam Gluck, explained, the new version has taken a lot of the pain out of the process, and turned 3DS into something that has the potential to truly change the security landscape for the better.

New research commissioned by Visa shows that over half of Irish consumers (53%) plan to continue shopping online where possible due to COVID-19, highlighting the growing importance of eCommerce to the Irish economy. Furthermore, restrictions on in-store trading during lockdown has spurred one in four (24%) Irish small businesses to begin selling online for the first time. Despite the increased appeal of eCommerce, thousands of Irish SMEs risk being unable to trade online successfully due to not having new security features enabled as part of the EU Payment Service Directive (PSD2). From 1st January 2021, online transactions in Europe will be subject to Strong Customer Authentication (SCA) measures – requiring banks to request additional information from consumers, such as a fingerprint or four-digit one-time passcode, to verify a purchase. Those businesses that have not prepared for the regulation, and therefore cannot always deliver compliant transactions, may find that banks have to decline customer payments. Given COVID-19 has been the primary focus for most Irish businesses over the past few months, Visa is highlighting the deadline for SCA compliance to ensure companies avoid disruption to their online services in the run-up to the crucial Christmas shopping period. The Visa-commissioned research found that 73% of Irish small businesses have a desire to increase their online presence. This is why Visa is urging Irish small businesses to contact the company that hosts their online checkout service to help them implement 3D Secure – in Visa’s view the technology most suited for meeting SCA requirements. Commenting on the research findings, Philip Konopik, Ireland Country Manager, Visa, said: “Since the outbreak of COVID-19, online trading has become increasingly vital for small businesses to reach their consumers. There is a real risk, however, that thousands of Irish small businesses will suddenly find this critical source of revenue switched off because they have failed to prepare for Strong Customer Authentication requirements. We understand that small businesses have other priorities in the current environment, but the deadline set by the European Banking Authority is approaching quickly. We are urging any Irish small businesses selling online to contact the company that hosts their online checkout service as soon as possible to switch on the most up-to-date 3D Secure technology and ensure that customers’ transactions are not declined come the New Year.”

3D Secure is a payer authentication, a security protocol that helps to prevent fraud in online credit and debit card transactions. Credit card thieves worry about it. Many merchants haven't adopted it. Brett and Karisse discuss what it is and what it means in the fight to protect against credit card fraud that merchants face every day. Learn more about your ad choices. Visit podcastchoices.com/adchoices

This is episode 11 of the Leaders in Payments podcast hosted by Greg Myers. In this episode I talk with Martin Sweeney, CEO of Ravelin about their fraud solution and global customer set. He uses a great Ferrari analogy too that you don't want to miss. Martin also provides some great background information and insights about PSD2 and 3D secure. He also talks about why the U.S. is a great market for Ravelin. www.ravelin.comwww.leadersinpayments.com www.podcast609.com

Mit der PSD2 hat der Gesetzgeber auch das Mandat der Starken Authentifikation, in Englisch Strong Customer Authentication oder kurz SCA, für Payment-Transaktionen eingeführt. Ursprünglich zum PSD2 Stichpunkt letztes Jahr, wurde die Deadline für die SCA auf Ende 2020 verschoben, weil Handel, Acquirer und kartenausgebende Banken / Issuer als Industrie noch nicht bereit waren. Der Podcast diese Woche wirft ein aktuelles Licht auf den Status der SCA am Beispiel von Zalando, einem der wichtigsten Online-Händler zusammen mit Mastercard. Die bestehenden Sicherheitsprotokolle zur Kundenidentifikation von Kartentransaktionen, also 3DSecure werden gerade aktualisiert mit 3DSecure 2.0 und es besteht die Hoffnung, dass die Abbruchrate bei 3D Secure 2.0 deutlich niedriger ist. Der Podcast beginnt mit einem kurzem Abriss zur SCA und den Terminen. Was genau ist die Vorschrift und seit wann waren die Vorläufe. Wie hat Zalando auf den Zeitplan reagiert und ist die Planung bis zum Jahresende noch in Ordnung. Erschreckend müssen Aussagen von Zalando-Tests, dass 80 % der Banksysteme noch nicht gar nicht bereit sind. Täglich grüßt das Murmeltier, denn ähnliche Aussagen hörten wir im Podcast 216 https://paymentandbanking.com/psd2-und-der-mythos-des-open-banking-fintech-podcast-216/ von den Fintechs, die sich letztes Jahr über die fehlende Readyness der PSD2 Schnittstellen der Banken beschwerten. Ferner schauen wir im Podcast nach vorne. Was kann der Händler machen, außer mit PSPs/Acquirer? Welche Partnerschaften sind hilfreich? Wie wird sich der Paymentmix nach der SCA entwickeln? Veränderung der Marktanteile? Veränderung der Conversion? Sorgt die Aufsicht für ein Level Playing Field der Payment-Methoden? Gäste: Kai-Uwe Mokros, Geschäfsführer der Zalando Payments GmbH, Andreas Schmidt Product Owner Zalando Payment GmbH und David Klemm, VP Business Development bei Mastercard.

Mit der PSD2 hat der Gesetzgeber auch das Mandat der Starken Authentifikation, in Englisch Strong Customer Authentication oder kurz SCA, für Payment-Transaktionen eingeführt. Ursprünglich zum PSD2 Stichpunkt letztes Jahr, wurde die Deadline für die SCA auf Ende 2020 verschoben, weil Handel, Acquirer und kartenausgebende Banken / Issuer als Industrie noch nicht bereit waren. Der Podcast diese Woche wirft ein aktuelles Licht auf den Status der SCA am Beispiel von Zalando, einem der wichtigsten Online-Händler zusammen mit Mastercard. Die bestehenden Sicherheitsprotokolle zur Kundenidentifikation von Kartentransaktionen, also 3DSecure werden gerade aktualisiert mit 3DSecure 2.0 und es besteht die Hoffnung, dass die Abbruchrate bei 3D Secure 2.0 deutlich niedriger ist. Der Podcast beginnt mit einem kurzem Abriss zur SCA und den Terminen. Was genau ist die Vorschrift und seit wann waren die Vorläufe. Wie hat Zalando auf den Zeitplan reagiert und ist die Planung bis zum Jahresende noch in Ordnung. Erschreckend müssen Aussagen von Zalando-Tests, dass 80 % der Banksysteme noch nicht gar nicht bereit sind. Täglich grüßt das Murmeltier, denn ähnliche Aussagen hörten wir im Podcast 216 https://paymentandbanking.com/psd2-und-der-mythos-des-open-banking-fintech-podcast-216/ von den Fintechs, die sich letztes Jahr über die fehlende Readyness der PSD2 Schnittstellen der Banken beschwerten. Ferner schauen wir im Podcast nach vorne. Was kann der Händler machen, außer mit PSPs/Acquirer? Welche Partnerschaften sind hilfreich? Wie wird sich der Paymentmix nach der SCA entwickeln? Veränderung der Marktanteile? Veränderung der Conversion? Sorgt die Aufsicht für ein Level Playing Field der Payment-Methoden? Gäste: Kai-Uwe Mokros, Geschäfsführer der Zalando Payments GmbH, Andreas Schmidt Product Owner Zalando Payment GmbH und David Klemm, VP Business Development bei Mastercard.

Den 14 september i år kickar EU:s andra betaltjänstdirektiv, PSD2, in för svenska e-handlare. Det ställer krav på att konsumenterna identifierar sig genom tvåfaktorsautentisering när de betalar på nätet. Något som många svenska nätbutiker redan gör. Därför är det snarare undantagen från reglerna det mest intressanta i Sverige. I avsnitt 114 av podden eHandelstrender samtalar programledare Urban Lindstedt med Jussi Lindberg, affärsutvecklingschef på betalföretaget Adyen om det nya betaltjänstdirektivet. Jussi Lindberg ser PSD2 främst som en möjlighet för e-handlare och konsumenter. Det jobbiga drabbar främst kortutgivare. E-handlare kan snabbt och enkelt uppgradera sig för att följa direktivet och ge kunderna en bättre köpupplevelse. Det tekniska svaret på det andra betaltjänstdirektivet är 3D Secure 2.0 som ger en smidigare kundresa än 3D Secure 1.0. Att inte implementera 3D Secure innebär att allt fler betaltransaktioner kommer att stoppas. Men iR Europa är det bara hälften av betaltjänsterna som faktiskt implementerat betaltjänstdirektivet, enligt Jussi Lindberg. I förlängningen kommer det andra betaltjänstdirektivet göra det enklare för nya innovativa betaltjänster som exempelvis ett Swish för hela Europa.

Quatrième épisode de Goood Morning Web ! Ce matin, René Cotton et Louis-Alexandre Tachon, parlent de Google qui veut se débarrasser des urls et de 3D Secure qui va devoir se complexifier prochainement.

The Internet of Things may be a hot topic but its security isn’t hot at all. Up until recently, IoT device manufacturers and buyers haven’t cared much about security, a disinterest that’s led to over one hundred thousand surveillance cameras being hijacked by Mirai botnet malware. While cameras aren’t making or accepting payments (yet) it’s easy to imagine automobiles paying for tolls and fuel directly. If it’s not my Roku box, maybe it’s Alexa or Google Home that makes payments on my behalf over the IoT. The payments industry is working to get out in front of this potential trouble.    EMVCo tokenization, now expressed in services like Apple Pay and Android Pay, is a leading tool in the payments security kit. 3D Secure. 2.0 services, when used in combination with other security layers, should have a role in IoT payments security, too. Join Tim Sherwin, Co-Founder and CEO of Visa’s CardinalCommerce unit and Glenbrook’s George Peabody in this deep dive into 3DS 2.0, where it works, who pays for it, and its expected role in the IoT.

One of last year's most anticipated advances in fraud management was the final release of EMVCo’s 3D Secure 2.0 protocol specification. Designed to take a risk-based approach to authorization and lower the checkout friction of its predecessor, 3DS2 will be a new tool in the growing anti-fraud arsenal. One of its supporters and a service provider that’s been closely tied to 3D Secure is CardinalCommerce. Cardinal, now a new addition to Visa’s arsenal with its recent acquisition, has been working with the risk-based approach for quite awhile. Take a listen to Visa’s Mark Nelson and Mike Keresman and Tim Sherwin of CardinalCommerce in this discussion about 3DS2, card network mandates, Cardinal’s acquisition by Visa, and when the market will see 3DS2 solutions.

3D Secure, the protocol that connects ecommerce merchants to the cardholder's issuer, has had a rough go. But after ten years, smarter application of the tool and, in particular, risk-based usage makes it more attractive to both issuers and merchants. In this conversation with Mike Roche, VP of Consumer Authentication at Cardinal Commerce, we take a deep dive into 3D Secure, its implementation and continuing evolution, expectations of increased card not present fraud due to EMV's US arrival, and its positive effect on merchant sales and issuer spend.

The domain of point of sale (POS) has three legs to its security stool: EMV, point to point encryption, and card number tokenization. Card not present (CNP) merchants and issuers have the more challenging task of assembling fraud mitigation tools on their own. The networks have had, until EMVCo's move into payment card tokenization, not much more than 3D Secure to offer. Merchants and card issuers have a lot of transaction and fraud data and when that data gets shared, improvements are possible. That's what Ethoca is about. Its growing network of merchants and issuers share their fraud data to improve fraud detection and lower chargeback rates. Take a listen to this discussion with Keith Briscoe, Ethoca's CMO, on what's possible through collaboration.