The document discusses the shifting landscape of point-of-sale (POS) malware. It covers the rise of commodity POS malware kits that are cheap and available online. It also discusses targeted breaches like the one against Target in 2013 where tailored malware was used to steal payment card data from their POS systems. Looking forward, the document discusses how the liability shift for EMV compliance in October 2015 and migration to tokenization systems may help address POS payment card theft going forward.