The Value of Trust

In business, we often talk about the bottom line and rational actions.  Making the most of our resources by partnering the right way and making sure that we’ve nailed our messaging.  Our uptimes have got to be at five nines.  The issue of trust, though, is not often discussed.  If it is, we talk about […]

Compliance as “Principled Performance”

I’ve long seen compliance as a form of business enablement.  Ensuring that organizations operate in manner consistent with government and industry regulations helps to ensure that company’s longevity.  For those outside of compliance, however, that perspective can seem difficult to digest.  It’s not uncommon for colleagues in other business units to see compliance as another […]

Lost in the Shuffle

In the uproar over the SCOTUS decision on the Defense of Marriage Act (DOMA) and California’s Prop 8, was what I feel is a pretty significant decision on our Fifth Amendment rights.  Most of us are familiar with our Fifth Amendment rights, “You have the right to remain silent.  Anything that you say can and […]

Who You Gonna Call?

That’s what the government wants to know.  News broke overnight that the National Security Agency (NSA) has a warrant to get information on every call made over the Verizon network.  There has been no word yet as to whether or not other carriers are under a similar order. According to a report in the Washington […]

Collective Security and the Payment System

I recently attended an event focused on payment security and fraud prevention.  It was an outstanding event and the presentations and panels were incredibly valuable – not something that I frequently say about payment security events these days.  However, one term came up a couple of times that got me thinking.  That term was “collective […]

In Memoriam

As another Memorial Day approaches, I’d like to take a moment to honor the men and women that have died in service to their country.  In our hurried world, it’s often easy to lose sight of the meaning of the holiday, and simply take our three day weekend.  It’s important, I think, to remember why […]

You Are the Weakest Link…

The other day I was reminded how easily my privacy could be compromised by none other than…me.  I had been introducing my two year old to the wonder of the Muppets and the genius of Queen.  Fortunately, this is easily done, as the Muppets have covered “Bohemian Rhapsody.”  We both got a big kick out […]

Presumption of Guilt & PCI DSS

I saw a story today on (another) data compromise involving cardholder data.  This one involved an online retailer, rather than a processor.  As always when I see these stories, I feel bad for everyone involved – yes even the merchant.  Why do I feel badly for the merchant?  Because there is an instant assumption that […]

Changes in Attitude: Is technology the only thing changing in Payments?

It’s hard to miss the rapid technological changes that are happening in the payments industry.  Mobile payments seem to dominate the industry websites and publications.  With such attention paid to technology, it’s difficult to remember that the industry is undergoing seismic shifts that have little to do with technology at all.  I’m not going to […]

Mobile Commerce & Minority Report

“You contain information. I need to know how to get at it.” – John Anderton, Pre-Crime Officer; Minority Report Therein lies the essential question of mobile commerce.  In 2002, a movie called Minority Report hit the box office.  The premise of the movie was that the Pre-Crime unit was able to “see crime” before it happened, […]