Ian Kerr from Cartes Asia discusses perspectives on EMV adoption and challenges. EMV has increased security, standardization, interoperability and customer confidence. It has changed payments like the iPod changed music. Remaining challenges include completing global roll-out, upgrading aging equipment, testing and certification. Potential solutions involve leveraging existing expertise, tools, and cloud-based EMV solutions. CreditCall is an experienced payment gateway with over 11 years in EMV and 1 million kernels deployed globally.