Locking Down the Future of Payment Security with Gemalto
PYMNTS.com recently caught up with Ray Wizbowski, Director of Marketing Strategy at Gemalto. Ray is responsible for Gemalto's North American communication strategy and engagement with industry thought leaders.
In their white paper, Gemalto makes the case that chip and pin is the most secure technology solution in the marketplace. If this is the case, why hasn't it caught on in the US? Is there a future for chip and pin technology in the United States?
Listen to this exclusive NEXTcast interview to learn more on Ray Wizbowski and Gemalto
Executive Bio: Ray is responsible for Gemalto’s North American communication strategy and engagement with industry thought leaders. In this role, Ray brings over 15 years of experience in strategic development and marketing of high tech organizations. Prior to Gemalto, Ray was the vice president of marketing and general manager of ForeScout technologies – a leading pioneer of network access control technology. Prior to ForeScout, Ray held senior business development and marketing positions at MetiLinx, Positio Investor and Public Relations and Action Foundation.
In the course of his career, Ray has provided strategic counsel for several multinational companies including Canon USA, Mitsubishi Electronics, Motorola and Silicon Valley Group (acquired by ASML). In business development roles, Ray has built partnership frameworks which included such companies as Microsoft, Nokia, Red Hat, Sun Microsystems and VMWare.
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Ray has indicated that 22 countries have already implemented the EMV technology where in fact many of them do not use it as true EMV transactions. From my previous experience overseas, with the exception of the UK, EMV is being used as Chip and Signature which does not completely secure the transaction as Chip and PIN transaction does. For one reason or the other, mainly the customer's reluctant to memorize or use a PIN number, as in the case of Saudi Arabian market and others in the Middle East, the consumer has forced the EMV card in a different direction than it was intended to serve as a secure device. In the case of the UK, the association's mandate (called a liability shift) has forced the merchants to implement EMV capable devices (POS) which helped to create the infrastructure for the EMV successful implementation. Merchants who chose not to comply will have to accept the liability of the transactions initiated by EMV card. For implementing EMV in the US however, the question remains; will the association mandate a liability shift similar to the one imposed in the UK? This is yet to be seen, otherwise, the EMV card will have no or little value as it is currently used in some of the Middle Eastern countries referred to previously.
Posted by Ibrahim Aly, 14/06/2010 1:09am (2 years ago)
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