In this second discussion with First Data execs, George and Scott MacKay, Vice President, Strategic Solutions talk digital commerce in the automative space, both at the fuel pump and in the Connected Car.

The importance of full stack security, whether it's sole sourced or the result of an integration effort, to successful deployment of mobile commerce is a theme here.

Enabling the mobile experience at the fuel pump is complex. Petro sellers have a lot of legacy gear and the cost of upgrading that equipment is very high, a fact that has, at least, inhibited the pace of the EMV upgrade.

The richness of the mobile device's data such as device fingerprinting and back end intelligence makes it conceivable that a fuel retailer could skip EMV altogether. Maybe.

Scott also shares a look at payments and the Connected Car through the company's discussions with automobile manufacturers.

Direct download: SM_mixdown.mp3
Category:general -- posted at: 3:51pm EST

In this, the first of a two-part podcast series with First Data executives, Ajay Guru, VP of Merchant Fraud Solutions at First Data and George discuss the impact of fraud on the merchant, what the merchant has to do to manage it, and the classes of tools and techniques available to mitigate fraud.

Ajay addresses machine learning technology's remarkable ability to identify anomalies and makes candid remarks on the necessity of human analysis to determine whether these anomalies are indeed fraud.

Other topics discussed include behavioral analysis (how we enter our user ID and password into the browser) as well as the sophistication of today's manual and automated attacks. There is still a lot of CNP fraud taking place over the phone.

There's good detail on the technology and what fraudsters are up to. Take a listen.

Direct download: Fraud_and_the_Merchant_mixdown.mp3
Category:general -- posted at: 3:48pm EST

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