Despite becoming commonplace for newly issued cards in the UK and Europe from the mid-2000’s, EMV standards have been slow to be adopted in the US. Among the major sources of friction is the requirement of merchants to update their point of sale (POS) terminals from standard magnetic strip readers, to allow for card dipping and PIN entering. Nonetheless, the adoption of EMV in the US is getting a huge boost with the Payment Networks’ Liability Shift that goes into effect today, October 1st.
With the new liability guidelines, card issuers and payment networks will be able to shift responsibility of fraudulent magnetic stripe-based transactions to merchants; thus providing merchants a strong reason to update their terminals.
To learn more about these changes in the US, and how it could affect the overall payments industry and propel other technologies beyond just chip readers like mobile payments, in this week’s Fintech Spotlight, Finance Magnates connected with Nuno Sebastiao, CEO of Feedzai, a data science firm specializing in providing fraud prevention solutions to merchants, banks and payment providers.
Calls for Change
At the heart of the issue in the US is the aging magnetic stripe readers used to process card-based transactions. Sebastiao explained that the biggest problem with stripe readers is that they are easy to copy. Therefore, for less than $100, a thief can purchase a magnetic swipe duplicator that allows them to copy and mimic the swipe of another credit card. Due to this problem, it has led to a situation where there is an abundance of petty fraud taking place at merchants from these swipe duplicators.
As a result of this problem, and the emergence of more secure standards like EMV which require users to dip their cards into card readers and enter a PIN to complete the transaction, it has led banks and payment networks to require merchants to update their POS technology. In this regard, the liability shift rules were created as a process to cause merchants to become more vigilant in fighting card fraud at the physical store level.
Retail Industry Friction
While the evolvement to EMV makes sense, there are several barriers that have inhibited the penetration of EMV standards in the US. Arguably the biggest issue is the costs involved for merchants to update their POS terminals. Typically, merchants have reserved POS terminal updates to situations when they are already in the market for new devices such as for store expansions of replacing defected terminals.
In addition, while most store-based POS devices can be easily replaced with new terminals, fixed hardware poses a greater challenge. These cases include vending machines or gas stations that include card reading technology that is fixed within a larger unit.
Another point of friction is the increased time needed to process a transaction with EMV standards. Unlike many other evolvements in technology which improve consumer efficiency, swiping cards on their magnetic strip is faster than dipping a card and entering a PIN code. As a result, merchants are worried that EMV adoption will slow down the in-store shopping experience.
According to Sebastiao, the prevalent opinion in the payment industry is that, yes, there will be shopping related delays to EMV, but consumers are expected to quickly understand and evolve to the new technology. The precedence for this belief are other markets such as Europe and the UK which have made the switch from magnetic readers to EMV without lasting negative effects.
Online Fraud Growth
Sebastiao also explained that merchants have countered that by making it more difficult to execute credit card fraud in physical stores, it will cause thieves to move their activity online. This has already become a large problem with fraudsters targeting databases of banks and retail sites to steal customer credit card information.
People don’t steal wallets or credit cards, but databases of bits and bytes of millions of consumer data
In this regard, Sebastiao described that as the world is becoming more digital, sectors such as fintech are becoming ‘cooler’, as they deal with the financial world’s shift from physical to digital. However, the same evolvement is taking place with payment fraud as Sebastiao explained: “People don’t steal wallets or credit cards, but databases of bits and bytes of millions of consumer data.” As a result, merchants believe that growth of the implementation of EMV standards will increase online fraud.
The counterargument to merchants though, is that cybercrime is already growing at a high rate, and is independent of petty magnetic stripe copying fraud. Sebastiao summed up this problem by stating that the reality is that fraudsters are going to use the newest the newest technology and “you have to use the same or better tools than what the fraudsters are doing.” Sebastiao added that examples of tools being used include “machine learning algorithms that use artificial intelligence to block fraudsters.”
One of the interesting offshoots of the increase of EMV standards is that it is expected to increase adoption of mobile payments. As a new generation of POS terminals are purchased and come online, beyond just chip readers, they also include integration of technology to enable payments from NFC- enabled mobile devices. The result is that mobile payment solutions such as Apple Pay, Samsung Pay and Android Pay will become easier to use as merchants update their terminals to new technology.
On this phenomena, Sebastiao explained that it has led to a debate within the industry of whether the inclusion of NFC technology in POS terminals will ultimately cause smartcards to be quickly skipped over in favor of mobile devices. For retailers though, having the ability to upgrade once, and become compliant to both EMV and mobile, does provide them a hedge to changing consumer habits in the future.
Is the Retail Industry Ready?
Despite merchants having over a year's notice for the October 1st liability shift beginning to take effect, according to statistics shared by Feedzai, a majority of small businesses weren’t aware of the coming changes, yet alone had updated their POS terminals. Nonetheless, awareness could be expected to increase as new credit cards being issued come standard with the smartcard chips.
Overall, while for many merchants it may seem that EMV standards are only now arriving to the US, the reality is that the technology has been around for a while, with the question being how quickly it will be adopted by merchants and consumers.
Fintech Spotlight is a new column on Finance Magnates devoted to reviewing innovative financial technology companies and sector trends.
Despite becoming commonplace for newly issued cards in the UK and Europe from the mid-2000’s, EMV standards have been slow to be adopted in the US. Among the major sources of friction is the requirement of merchants to update their point of sale (POS) terminals from standard magnetic strip readers, to allow for card dipping and PIN entering. Nonetheless, the adoption of EMV in the US is getting a huge boost with the Payment Networks’ Liability Shift that goes into effect today, October 1st.
With the new liability guidelines, card issuers and payment networks will be able to shift responsibility of fraudulent magnetic stripe-based transactions to merchants; thus providing merchants a strong reason to update their terminals.
To learn more about these changes in the US, and how it could affect the overall payments industry and propel other technologies beyond just chip readers like mobile payments, in this week’s Fintech Spotlight, Finance Magnates connected with Nuno Sebastiao, CEO of Feedzai, a data science firm specializing in providing fraud prevention solutions to merchants, banks and payment providers.
Calls for Change
At the heart of the issue in the US is the aging magnetic stripe readers used to process card-based transactions. Sebastiao explained that the biggest problem with stripe readers is that they are easy to copy. Therefore, for less than $100, a thief can purchase a magnetic swipe duplicator that allows them to copy and mimic the swipe of another credit card. Due to this problem, it has led to a situation where there is an abundance of petty fraud taking place at merchants from these swipe duplicators.
As a result of this problem, and the emergence of more secure standards like EMV which require users to dip their cards into card readers and enter a PIN to complete the transaction, it has led banks and payment networks to require merchants to update their POS technology. In this regard, the liability shift rules were created as a process to cause merchants to become more vigilant in fighting card fraud at the physical store level.
Retail Industry Friction
While the evolvement to EMV makes sense, there are several barriers that have inhibited the penetration of EMV standards in the US. Arguably the biggest issue is the costs involved for merchants to update their POS terminals. Typically, merchants have reserved POS terminal updates to situations when they are already in the market for new devices such as for store expansions of replacing defected terminals.
In addition, while most store-based POS devices can be easily replaced with new terminals, fixed hardware poses a greater challenge. These cases include vending machines or gas stations that include card reading technology that is fixed within a larger unit.
Another point of friction is the increased time needed to process a transaction with EMV standards. Unlike many other evolvements in technology which improve consumer efficiency, swiping cards on their magnetic strip is faster than dipping a card and entering a PIN code. As a result, merchants are worried that EMV adoption will slow down the in-store shopping experience.
According to Sebastiao, the prevalent opinion in the payment industry is that, yes, there will be shopping related delays to EMV, but consumers are expected to quickly understand and evolve to the new technology. The precedence for this belief are other markets such as Europe and the UK which have made the switch from magnetic readers to EMV without lasting negative effects.
Online Fraud Growth
Sebastiao also explained that merchants have countered that by making it more difficult to execute credit card fraud in physical stores, it will cause thieves to move their activity online. This has already become a large problem with fraudsters targeting databases of banks and retail sites to steal customer credit card information.
People don’t steal wallets or credit cards, but databases of bits and bytes of millions of consumer data
In this regard, Sebastiao described that as the world is becoming more digital, sectors such as fintech are becoming ‘cooler’, as they deal with the financial world’s shift from physical to digital. However, the same evolvement is taking place with payment fraud as Sebastiao explained: “People don’t steal wallets or credit cards, but databases of bits and bytes of millions of consumer data.” As a result, merchants believe that growth of the implementation of EMV standards will increase online fraud.
The counterargument to merchants though, is that cybercrime is already growing at a high rate, and is independent of petty magnetic stripe copying fraud. Sebastiao summed up this problem by stating that the reality is that fraudsters are going to use the newest the newest technology and “you have to use the same or better tools than what the fraudsters are doing.” Sebastiao added that examples of tools being used include “machine learning algorithms that use artificial intelligence to block fraudsters.”
One of the interesting offshoots of the increase of EMV standards is that it is expected to increase adoption of mobile payments. As a new generation of POS terminals are purchased and come online, beyond just chip readers, they also include integration of technology to enable payments from NFC- enabled mobile devices. The result is that mobile payment solutions such as Apple Pay, Samsung Pay and Android Pay will become easier to use as merchants update their terminals to new technology.
On this phenomena, Sebastiao explained that it has led to a debate within the industry of whether the inclusion of NFC technology in POS terminals will ultimately cause smartcards to be quickly skipped over in favor of mobile devices. For retailers though, having the ability to upgrade once, and become compliant to both EMV and mobile, does provide them a hedge to changing consumer habits in the future.
Is the Retail Industry Ready?
Despite merchants having over a year's notice for the October 1st liability shift beginning to take effect, according to statistics shared by Feedzai, a majority of small businesses weren’t aware of the coming changes, yet alone had updated their POS terminals. Nonetheless, awareness could be expected to increase as new credit cards being issued come standard with the smartcard chips.
Overall, while for many merchants it may seem that EMV standards are only now arriving to the US, the reality is that the technology has been around for a while, with the question being how quickly it will be adopted by merchants and consumers.
Fintech Spotlight is a new column on Finance Magnates devoted to reviewing innovative financial technology companies and sector trends.
Western Union Resumes Money Transfer Service to Cuba from the US
Featured Videos
Network, Learn, Grow | FMAS:24
Network, Learn, Grow | FMAS:24
Network, Learn, Grow | FMAS:24
Network, Learn, Grow | FMAS:24
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Join 3500+ Attendees at FMAS:24 | Africa's Premium Financial Event
Join 3500+ Attendees at FMAS:24 | Africa's Premium Financial Event
Join 3500+ Attendees at FMAS:24 | Africa's Premium Financial Event
Join 3500+ Attendees at FMAS:24 | Africa's Premium Financial Event
Join 3500+ Attendees at FMAS:24 | Africa's Premium Financial Event
Join 3500+ Attendees at FMAS:24 | Africa's Premium Financial Event
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Looking to expand your network in #Africa? Join 3500+ attendees at FMAS:24, where online trading, fintech, payments, and crypto meet! Connect with industry leaders and innovators for an unmatched networking experience.
20-22 MAY 2024
Sandton Convention Center, Sandton, South Africa
Register now to secure your spot: https://bit.ly/3JbUpCK
#fmas #fmas24 #fmevents #networking #finance #africa
📣 Stay updated with the latest in finance and trading!
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Looking to expand your network in #Africa? Join 3500+ attendees at FMAS:24, where online trading, fintech, payments, and crypto meet! Connect with industry leaders and innovators for an unmatched networking experience.
20-22 MAY 2024
Sandton Convention Center, Sandton, South Africa
Register now to secure your spot: https://bit.ly/3JbUpCK
#fmas #fmas24 #fmevents #networking #finance #africa
📣 Stay updated with the latest in finance and trading!
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Join 3500+ Attendees at FMAS:24 - Africa's Premium Financial Event
Join 3500+ Attendees at FMAS:24 - Africa's Premium Financial Event
Join 3500+ Attendees at FMAS:24 - Africa's Premium Financial Event
Join 3500+ Attendees at FMAS:24 - Africa's Premium Financial Event
Join 3500+ Attendees at FMAS:24 - Africa's Premium Financial Event
Join 3500+ Attendees at FMAS:24 - Africa's Premium Financial Event
Looking to expand your network in #Africa?
Join 3500+ attendees at FMAS:24, where online trading, fintech, payments, and crypto meet! Connect with industry leaders and innovators for an unmatched networking experience.
20-22 MAY 2024
Sandton Convention Center, Sandton, South Africa
Register now to secure your spot: https://bit.ly/3JbUpCK
#fmas #fmas24 #fmevents #networking #finance #africa
Looking to expand your network in #Africa?
Join 3500+ attendees at FMAS:24, where online trading, fintech, payments, and crypto meet! Connect with industry leaders and innovators for an unmatched networking experience.
20-22 MAY 2024
Sandton Convention Center, Sandton, South Africa
Register now to secure your spot: https://bit.ly/3JbUpCK
#fmas #fmas24 #fmevents #networking #finance #africa
Looking to expand your network in #Africa?
Join 3500+ attendees at FMAS:24, where online trading, fintech, payments, and crypto meet! Connect with industry leaders and innovators for an unmatched networking experience.
20-22 MAY 2024
Sandton Convention Center, Sandton, South Africa
Register now to secure your spot: https://bit.ly/3JbUpCK
#fmas #fmas24 #fmevents #networking #finance #africa
Looking to expand your network in #Africa?
Join 3500+ attendees at FMAS:24, where online trading, fintech, payments, and crypto meet! Connect with industry leaders and innovators for an unmatched networking experience.
20-22 MAY 2024
Sandton Convention Center, Sandton, South Africa
Register now to secure your spot: https://bit.ly/3JbUpCK
#fmas #fmas24 #fmevents #networking #finance #africa
Looking to expand your network in #Africa?
Join 3500+ attendees at FMAS:24, where online trading, fintech, payments, and crypto meet! Connect with industry leaders and innovators for an unmatched networking experience.
20-22 MAY 2024
Sandton Convention Center, Sandton, South Africa
Register now to secure your spot: https://bit.ly/3JbUpCK
#fmas #fmas24 #fmevents #networking #finance #africa
Looking to expand your network in #Africa?
Join 3500+ attendees at FMAS:24, where online trading, fintech, payments, and crypto meet! Connect with industry leaders and innovators for an unmatched networking experience.
20-22 MAY 2024
Sandton Convention Center, Sandton, South Africa
Register now to secure your spot: https://bit.ly/3JbUpCK
#fmas #fmas24 #fmevents #networking #finance #africa
Where the Prop Trading Industry Goes from Here | Finance Magnates Podcast
Where the Prop Trading Industry Goes from Here | Finance Magnates Podcast
Where the Prop Trading Industry Goes from Here | Finance Magnates Podcast
Where the Prop Trading Industry Goes from Here | Finance Magnates Podcast
Where the Prop Trading Industry Goes from Here | Finance Magnates Podcast
Where the Prop Trading Industry Goes from Here | Finance Magnates Podcast
Explore the tumultuous world of prop trading in this Finance Magnates podcast episode, featuring insights from Head of Axi Select, Greg Rubin.
We're discussing the challenges and shifts caused by MetaQuotes' pivotal decisions affecting MT4 and MT5 users, and how Axi Select offers a unique, realistic path to professional trading, steering clear of traditional prop firm pitfalls.
Tune in for expert analysis on the future of trading and innovative funding models.
The Axi Select programme is only available to clients of AxiTrader Limited. CFDs carry a high risk of investment loss. In our dealings with you, we will act as a principal counterparty to all of your positions. This content is not available for AU, NZ, EU and UK residents. For more information, refer to our Terms of Service. Standard trading fees apply.
This content is provided solely for general informational purposes and should not be construed as financial product advice or an investment recommendation. It has been prepared without considering your personal circumstances.
📣 Stay updated with the latest in finance and trading!
Follow Finance Magnates for news, insights, and event updates across our social media platforms. Connect with us today:
🔗 LinkedIn: https://www.linkedin.com/company/financemagnates/
👍 Facebook: https://www.facebook.com/financemagnates/
📸 Instagram: https://www.instagram.com/financemagnates_official
🐦 X (Twitter): https://twitter.com/financemagnates/
📡 RSS Feed: https://www.financemagnates.com/feed/
▶️ Telegram: https://t.me/financemagnatesnews
Don't miss out on our latest videos, interviews, and event coverage.
🔔 Subscribe to our YouTube channel for more!🔔
Explore the tumultuous world of prop trading in this Finance Magnates podcast episode, featuring insights from Head of Axi Select, Greg Rubin.
We're discussing the challenges and shifts caused by MetaQuotes' pivotal decisions affecting MT4 and MT5 users, and how Axi Select offers a unique, realistic path to professional trading, steering clear of traditional prop firm pitfalls.
Tune in for expert analysis on the future of trading and innovative funding models.
The Axi Select programme is only available to clients of AxiTrader Limited. CFDs carry a high risk of investment loss. In our dealings with you, we will act as a principal counterparty to all of your positions. This content is not available for AU, NZ, EU and UK residents. For more information, refer to our Terms of Service. Standard trading fees apply.
This content is provided solely for general informational purposes and should not be construed as financial product advice or an investment recommendation. It has been prepared without considering your personal circumstances.
📣 Stay updated with the latest in finance and trading!
Follow Finance Magnates for news, insights, and event updates across our social media platforms. Connect with us today:
🔗 LinkedIn: https://www.linkedin.com/company/financemagnates/
👍 Facebook: https://www.facebook.com/financemagnates/
📸 Instagram: https://www.instagram.com/financemagnates_official
🐦 X (Twitter): https://twitter.com/financemagnates/
📡 RSS Feed: https://www.financemagnates.com/feed/
▶️ Telegram: https://t.me/financemagnatesnews
Don't miss out on our latest videos, interviews, and event coverage.
🔔 Subscribe to our YouTube channel for more!🔔
Explore the tumultuous world of prop trading in this Finance Magnates podcast episode, featuring insights from Head of Axi Select, Greg Rubin.
We're discussing the challenges and shifts caused by MetaQuotes' pivotal decisions affecting MT4 and MT5 users, and how Axi Select offers a unique, realistic path to professional trading, steering clear of traditional prop firm pitfalls.
Tune in for expert analysis on the future of trading and innovative funding models.
The Axi Select programme is only available to clients of AxiTrader Limited. CFDs carry a high risk of investment loss. In our dealings with you, we will act as a principal counterparty to all of your positions. This content is not available for AU, NZ, EU and UK residents. For more information, refer to our Terms of Service. Standard trading fees apply.
This content is provided solely for general informational purposes and should not be construed as financial product advice or an investment recommendation. It has been prepared without considering your personal circumstances.
📣 Stay updated with the latest in finance and trading!
Follow Finance Magnates for news, insights, and event updates across our social media platforms. Connect with us today:
🔗 LinkedIn: https://www.linkedin.com/company/financemagnates/
👍 Facebook: https://www.facebook.com/financemagnates/
📸 Instagram: https://www.instagram.com/financemagnates_official
🐦 X (Twitter): https://twitter.com/financemagnates/
📡 RSS Feed: https://www.financemagnates.com/feed/
▶️ Telegram: https://t.me/financemagnatesnews
Don't miss out on our latest videos, interviews, and event coverage.
🔔 Subscribe to our YouTube channel for more!🔔
Explore the tumultuous world of prop trading in this Finance Magnates podcast episode, featuring insights from Head of Axi Select, Greg Rubin.
We're discussing the challenges and shifts caused by MetaQuotes' pivotal decisions affecting MT4 and MT5 users, and how Axi Select offers a unique, realistic path to professional trading, steering clear of traditional prop firm pitfalls.
Tune in for expert analysis on the future of trading and innovative funding models.
The Axi Select programme is only available to clients of AxiTrader Limited. CFDs carry a high risk of investment loss. In our dealings with you, we will act as a principal counterparty to all of your positions. This content is not available for AU, NZ, EU and UK residents. For more information, refer to our Terms of Service. Standard trading fees apply.
This content is provided solely for general informational purposes and should not be construed as financial product advice or an investment recommendation. It has been prepared without considering your personal circumstances.
📣 Stay updated with the latest in finance and trading!
Follow Finance Magnates for news, insights, and event updates across our social media platforms. Connect with us today:
🔗 LinkedIn: https://www.linkedin.com/company/financemagnates/
👍 Facebook: https://www.facebook.com/financemagnates/
📸 Instagram: https://www.instagram.com/financemagnates_official
🐦 X (Twitter): https://twitter.com/financemagnates/
📡 RSS Feed: https://www.financemagnates.com/feed/
▶️ Telegram: https://t.me/financemagnatesnews
Don't miss out on our latest videos, interviews, and event coverage.
🔔 Subscribe to our YouTube channel for more!🔔
Explore the tumultuous world of prop trading in this Finance Magnates podcast episode, featuring insights from Head of Axi Select, Greg Rubin.
We're discussing the challenges and shifts caused by MetaQuotes' pivotal decisions affecting MT4 and MT5 users, and how Axi Select offers a unique, realistic path to professional trading, steering clear of traditional prop firm pitfalls.
Tune in for expert analysis on the future of trading and innovative funding models.
The Axi Select programme is only available to clients of AxiTrader Limited. CFDs carry a high risk of investment loss. In our dealings with you, we will act as a principal counterparty to all of your positions. This content is not available for AU, NZ, EU and UK residents. For more information, refer to our Terms of Service. Standard trading fees apply.
This content is provided solely for general informational purposes and should not be construed as financial product advice or an investment recommendation. It has been prepared without considering your personal circumstances.
📣 Stay updated with the latest in finance and trading!
Follow Finance Magnates for news, insights, and event updates across our social media platforms. Connect with us today:
🔗 LinkedIn: https://www.linkedin.com/company/financemagnates/
👍 Facebook: https://www.facebook.com/financemagnates/
📸 Instagram: https://www.instagram.com/financemagnates_official
🐦 X (Twitter): https://twitter.com/financemagnates/
📡 RSS Feed: https://www.financemagnates.com/feed/
▶️ Telegram: https://t.me/financemagnatesnews
Don't miss out on our latest videos, interviews, and event coverage.
🔔 Subscribe to our YouTube channel for more!🔔
Explore the tumultuous world of prop trading in this Finance Magnates podcast episode, featuring insights from Head of Axi Select, Greg Rubin.
We're discussing the challenges and shifts caused by MetaQuotes' pivotal decisions affecting MT4 and MT5 users, and how Axi Select offers a unique, realistic path to professional trading, steering clear of traditional prop firm pitfalls.
Tune in for expert analysis on the future of trading and innovative funding models.
The Axi Select programme is only available to clients of AxiTrader Limited. CFDs carry a high risk of investment loss. In our dealings with you, we will act as a principal counterparty to all of your positions. This content is not available for AU, NZ, EU and UK residents. For more information, refer to our Terms of Service. Standard trading fees apply.
This content is provided solely for general informational purposes and should not be construed as financial product advice or an investment recommendation. It has been prepared without considering your personal circumstances.
📣 Stay updated with the latest in finance and trading!
Follow Finance Magnates for news, insights, and event updates across our social media platforms. Connect with us today:
🔗 LinkedIn: https://www.linkedin.com/company/financemagnates/
👍 Facebook: https://www.facebook.com/financemagnates/
📸 Instagram: https://www.instagram.com/financemagnates_official
🐦 X (Twitter): https://twitter.com/financemagnates/
📡 RSS Feed: https://www.financemagnates.com/feed/
▶️ Telegram: https://t.me/financemagnatesnews
Don't miss out on our latest videos, interviews, and event coverage.
🔔 Subscribe to our YouTube channel for more!🔔