The survey found that while 58% of respondents reported actively preparing for the EMV transition deadline in October, 42% had either not taken steps or were unsure about preparations. The top obstacles cited were lack of time (19%) and access to deployment expertise (17%). Additionally, 66% of respondents believed that chip and signature technology did not offer sufficient security compared to chip and PIN. Over half of respondents thought the liability shift deadline should be delayed, though delay appears unlikely. In conclusion, the survey revealed that many businesses may miss the deadline due to delays in preparation and lack of expertise as the deadline approaches.
Small Business Adoption of EMV TechnologyIntuit Inc.
Intuit surveyed small business owners to get their perspectives on EMV technology and the upcoming liability shift.
The survey data is based on an online multiple-choice questionnaire, administered to 504 U.S. small businesses, at the owner or manager level, with 1-100 employees. The survey was fielded by Ebiquity from April 22-27, 2015; all respondents accept credit cards through mobile swipers and/or physical point of sale terminals.
Payments Pulse Survey: Small Business EditionPayments Canada
Of the over one million employer businesses in Canada, 99.7 per cent represent small and medium-sized enterprises (SMEs), leaving 0.3 per cent representing large businesses. As a key economic driver, Payments Canada decided to focus a survey specifically on the payment interests of Canadian SMEs, Payments Pulse Survey: Small Business Edition.
Building on our E&Y report How can payments modernization benefit Canadian businesses? released earlier this year, we dug deeper to find out how payments systems meet SMEs’ business needs, how inefficiencies in current payments processing impact SMEs and how SMEs anticipate benefiting from a new payments system.
The introduction of new systems, rules and standards as part of Payments Canada’s Modernization program will foster a faster, safer and more data-rich payments environment. The top anticipated enhancements will come from new real-time payments, giving small businesses more choice in how they make their payments, and the adoption of the ISO 20022 data standard, which has the potential to improve automation and efficiency by increasing the data that travels with a payment.
What we heard loud and clear is that Canadian SMEs are ready for more payment options. They want more choice for their customers at point-of-sale and more options for their back-office payments to suppliers and vendors, such as e-transfers, e-wallets and the digital currencies. And of course, they want their payments to be safe and secure.
Finally, the survey found that overwhelmingly the majority of SMEs are willing to integrate new technologies into their operations to meet future payment needs.
The third annual Payments Pulse Survey: Consumer Edition explores the payment preferences of Canadians and the forces driving the movement for innovative payment methods. The study revealed significant generational insights into Millennials and Generation Z when it comes to the way Canadians pay and what they are yearning for.
The study was conducted by Leger Marketing Inc., on behalf of Payments Canada between April 12 and April 19, 2019. An online survey of 1,564 Canadians was completed using Leger’s online panel. The margin of error for this study was +/-2.8%, 19 times out of 20.
Payments Pulse Survey: Small Business Edition (October 2019)Payments Canada
This year’s survey, which focuses on the payment trends, interests, and views of Canadian small businesses, revealed the majority of small businesses do fewer than 25 per cent of their transactions in cash but still feel obligated to accept it.
The 2019 Payments Pulse: Small Business Edition was undertaken by Leger and Payments Canada between September 17, 2019 and September 24, 2019. An online survey of 300 Canadian small business owners of companies with less than 499 employees was completed using Leger’s online panel. The margin of error for this study was +/- 5.6%, 19 times out of 20.
The second annual Payments Pulse Survey: Consumer Edition delves into the payment preferences and priorities for Canadian consumers. This year, the survey was conducted in two phases. Phase 1 served as a pulse check on trends spotted in the 2017 survey and helped inform dialogue and discussion at the Payments Canada SUMMIT – Canada’s largest payment conference, held May 9-11, 2018 in Toronto. The follow-up Phase 2 survey dove deeper into specific consumer needs and issues that emerged as hot topics at The SUMMIT, including ‘invisible payments’ and social media payments.
Automation of business-to-business (B2B) payments continues to remain elusive. While checks are stubbornly pervasive, there is promising news in the vision for processing data and dollars among business partners. This session will detail NACHA and other industry organizations’ initiatives leading the way in facilitating the move from paper instruments to electronic payments by mid-sized and smaller businesses. Learn about opportunities for electronic disruption and where financial institutions might begin to gain traction in B2B ACH payments.
Small Business Adoption of EMV TechnologyIntuit Inc.
Intuit surveyed small business owners to get their perspectives on EMV technology and the upcoming liability shift.
The survey data is based on an online multiple-choice questionnaire, administered to 504 U.S. small businesses, at the owner or manager level, with 1-100 employees. The survey was fielded by Ebiquity from April 22-27, 2015; all respondents accept credit cards through mobile swipers and/or physical point of sale terminals.
Payments Pulse Survey: Small Business EditionPayments Canada
Of the over one million employer businesses in Canada, 99.7 per cent represent small and medium-sized enterprises (SMEs), leaving 0.3 per cent representing large businesses. As a key economic driver, Payments Canada decided to focus a survey specifically on the payment interests of Canadian SMEs, Payments Pulse Survey: Small Business Edition.
Building on our E&Y report How can payments modernization benefit Canadian businesses? released earlier this year, we dug deeper to find out how payments systems meet SMEs’ business needs, how inefficiencies in current payments processing impact SMEs and how SMEs anticipate benefiting from a new payments system.
The introduction of new systems, rules and standards as part of Payments Canada’s Modernization program will foster a faster, safer and more data-rich payments environment. The top anticipated enhancements will come from new real-time payments, giving small businesses more choice in how they make their payments, and the adoption of the ISO 20022 data standard, which has the potential to improve automation and efficiency by increasing the data that travels with a payment.
What we heard loud and clear is that Canadian SMEs are ready for more payment options. They want more choice for their customers at point-of-sale and more options for their back-office payments to suppliers and vendors, such as e-transfers, e-wallets and the digital currencies. And of course, they want their payments to be safe and secure.
Finally, the survey found that overwhelmingly the majority of SMEs are willing to integrate new technologies into their operations to meet future payment needs.
The third annual Payments Pulse Survey: Consumer Edition explores the payment preferences of Canadians and the forces driving the movement for innovative payment methods. The study revealed significant generational insights into Millennials and Generation Z when it comes to the way Canadians pay and what they are yearning for.
The study was conducted by Leger Marketing Inc., on behalf of Payments Canada between April 12 and April 19, 2019. An online survey of 1,564 Canadians was completed using Leger’s online panel. The margin of error for this study was +/-2.8%, 19 times out of 20.
Payments Pulse Survey: Small Business Edition (October 2019)Payments Canada
This year’s survey, which focuses on the payment trends, interests, and views of Canadian small businesses, revealed the majority of small businesses do fewer than 25 per cent of their transactions in cash but still feel obligated to accept it.
The 2019 Payments Pulse: Small Business Edition was undertaken by Leger and Payments Canada between September 17, 2019 and September 24, 2019. An online survey of 300 Canadian small business owners of companies with less than 499 employees was completed using Leger’s online panel. The margin of error for this study was +/- 5.6%, 19 times out of 20.
The second annual Payments Pulse Survey: Consumer Edition delves into the payment preferences and priorities for Canadian consumers. This year, the survey was conducted in two phases. Phase 1 served as a pulse check on trends spotted in the 2017 survey and helped inform dialogue and discussion at the Payments Canada SUMMIT – Canada’s largest payment conference, held May 9-11, 2018 in Toronto. The follow-up Phase 2 survey dove deeper into specific consumer needs and issues that emerged as hot topics at The SUMMIT, including ‘invisible payments’ and social media payments.
Automation of business-to-business (B2B) payments continues to remain elusive. While checks are stubbornly pervasive, there is promising news in the vision for processing data and dollars among business partners. This session will detail NACHA and other industry organizations’ initiatives leading the way in facilitating the move from paper instruments to electronic payments by mid-sized and smaller businesses. Learn about opportunities for electronic disruption and where financial institutions might begin to gain traction in B2B ACH payments.
Bill paying habits among accounting and accounts payable professionals are far more advanced at home, where they use a number of electronic payment methods, than at work, where they overwhelmingly rely on paper checks.
It has been 34 years since the first online B2B transaction was completed – and much has changed since then. In a time when payment companies are under tremendous pressure to produce more with fewer resources, many are jumping the traditional payments ship and switching over to electronic payments. This slideshare will take you on a journey from paper checks to automation in the B2B space, and unveil the power of AvidXchange's solutions on a company’s bottom line.
The fourth industrial revolution which is characterized by highly digitalized system, has
changed the way we do almost everything. That includes the financial system that has exerted pressure
to go on-line as in the case of electronic money. One of the variants of e-money is the use of Card
Loading System. In card loading system, the accountholder opens an account and given the card that
stores the value loaded into it.
Let's admit it: Payment fraud is widespread and a huge liability for companies. The only way to successfully combat it is to develop comprehensive strategies and make the most of fraud management tools. Join this session to hear new ideas and strategies from our payment partners and customers on how to defeat fraud, increase consumer confidence, and reduce collection friction.
Learn about how remittance challenges have grown as electronic payment usage has continued to grow. Learn about how the movement to electronic payments and remittances has created benefits for accounts payable but created a cash application challenge for those in accounts receivable. Created by Centreviews Business Intelligence Suite.
Leveraging Analytics to Combat Digital Fraud in Financial OrganizationsRicardo Ponce
Digitization creates major opportunities for financial services – automating operations, expanding channels, delivering engaging customer experiences. There are corresponding
challenges – unprecedented data and transaction volumes, channel control in electronic marketplaces, and preventing fraud when the fraudsters are technologically adept. To discuss the opportunities, challenges, and solutions around financial fraud in the digital age, IIA spoke with David Stewart, Director, Security Intelligence Practice-Banking at SAS Institute Inc.
Outlook on Cashless Society: Mobile Money, Banking and ePaymentHenry Sampson
I presented this at the 2015 West African Telecom and ICT Summit in Accra. My focus was mainly to show how innovators like Slydepay are trying to solve the huge gap of payments in the Ghana cashless agenda journey.
The State of EMV Payment Solutions: Countdown to 2015Harland Clarke
Less than 18 months remain until the October 2015 liability shift to Europay®, MasterCard® and Visa® (EMV). Are financial institutions prepared and what are their projected implementation deadlines? Have recent data breaches affected the speed of implementation?
An in-depth discussion of the key trends driving card-not-present transactions and the subsequent increase in demand for smart transaction security solutions; includes a detailed review of the various transaction security technologies and solutions available for merchants and issuers
Bill paying habits among accounting and accounts payable professionals are far more advanced at home, where they use a number of electronic payment methods, than at work, where they overwhelmingly rely on paper checks.
It has been 34 years since the first online B2B transaction was completed – and much has changed since then. In a time when payment companies are under tremendous pressure to produce more with fewer resources, many are jumping the traditional payments ship and switching over to electronic payments. This slideshare will take you on a journey from paper checks to automation in the B2B space, and unveil the power of AvidXchange's solutions on a company’s bottom line.
The fourth industrial revolution which is characterized by highly digitalized system, has
changed the way we do almost everything. That includes the financial system that has exerted pressure
to go on-line as in the case of electronic money. One of the variants of e-money is the use of Card
Loading System. In card loading system, the accountholder opens an account and given the card that
stores the value loaded into it.
Let's admit it: Payment fraud is widespread and a huge liability for companies. The only way to successfully combat it is to develop comprehensive strategies and make the most of fraud management tools. Join this session to hear new ideas and strategies from our payment partners and customers on how to defeat fraud, increase consumer confidence, and reduce collection friction.
Learn about how remittance challenges have grown as electronic payment usage has continued to grow. Learn about how the movement to electronic payments and remittances has created benefits for accounts payable but created a cash application challenge for those in accounts receivable. Created by Centreviews Business Intelligence Suite.
Leveraging Analytics to Combat Digital Fraud in Financial OrganizationsRicardo Ponce
Digitization creates major opportunities for financial services – automating operations, expanding channels, delivering engaging customer experiences. There are corresponding
challenges – unprecedented data and transaction volumes, channel control in electronic marketplaces, and preventing fraud when the fraudsters are technologically adept. To discuss the opportunities, challenges, and solutions around financial fraud in the digital age, IIA spoke with David Stewart, Director, Security Intelligence Practice-Banking at SAS Institute Inc.
Outlook on Cashless Society: Mobile Money, Banking and ePaymentHenry Sampson
I presented this at the 2015 West African Telecom and ICT Summit in Accra. My focus was mainly to show how innovators like Slydepay are trying to solve the huge gap of payments in the Ghana cashless agenda journey.
The State of EMV Payment Solutions: Countdown to 2015Harland Clarke
Less than 18 months remain until the October 2015 liability shift to Europay®, MasterCard® and Visa® (EMV). Are financial institutions prepared and what are their projected implementation deadlines? Have recent data breaches affected the speed of implementation?
An in-depth discussion of the key trends driving card-not-present transactions and the subsequent increase in demand for smart transaction security solutions; includes a detailed review of the various transaction security technologies and solutions available for merchants and issuers
Secure Payments: How Card Issuers and Merchants Can Stay Ahead of FraudstersCognizant
Our latest research reveals that merchants and card issuers should take a layered approach to mitigating risk, by working with consumers to improve fraud detection and prevention.
SRPc Post COVID-19 Futures Scenarios for Payment Processing Marminio77
This SRPc futures research study examines futures scenarios, post COVID-19 as viewed by a panel of payment industry experts. The analysis is designed to provide companies with some insights on the near-term impacts of COVID-19 specifically on the payment processing business, and to offer some guidance on prioritizing work in their development queues to address the most pressing needs.
Prepared by Avenue B Consulting, Inc.
Fast Fraud and Merchants: How to Stop Your Next Biggest Threat (White Paper)Vesta Corporation
What is fast fraud and why is your business at risk? Fast fraud occurs when criminals take advantage of weaknesses in online and mobile commerce fraud prevention systems.
Here’s why you need to read Vesta’s latest white paper today:
1) Fast fraud is retail’s next big threat. What does that mean to your business?
2) How fast fraud threatens you and your customers
Why traditional fraud solutions won’t work
3) Discover tips to help you get started on a fast fraud solution
Learn more at http://info.trustvesta.com/fastfraud
Subscribed 2019 - Going Global: Demystifying International PaymentsZuora, Inc.
Going global is a key strategy to drive company growth, but setting up and managing international payments can be very complicated. Join us at this session to understand payment operation requirements for multi-geography expansion and the Zuora configurations that will help you take your business anywhere in the world.
SVIA Insurance Disrupted Conference 2016 - The Disruptive Impact of Modern T...Captricity
Captricity’s Director of Industry Sales, Brian Cox, took the stage at SVIA Insurance Disrupted Conference to share what he’s seeing in the market at over 12 of the largest US insurers. His talk, The Disruptive Impact of Modern Technologies on Operational Processes and Organizational Strategies in Insurance, was focused on a problem close to home for many of the audience.
This presentation explores what future of commerce may look like given the current trends in mobile devices, digital payments, social commerce and security including tokenization and new forms of identity verification
Data Breach Prevention - Start with your POS Terminal!Halo Metrics
2015 is a year of major changes in the US credit card and payment industry. There are new regulations for PCI compliance and a liability shift for businesses that do not upgrade their payment system to CHIP technology. Halo Metrics has been working with retailers and business to protect POS terminals from attacks and fraud attempts. Review our presentation for more information about this crime and what you can do to prevent it. Visit our websites below as well:
www.halometrics.com | stopdatabreach.today
EMV in the U.S.: Putting It into Perspective for Merchants and Financial Inst...- Mark - Fullbright
All product and company names mentioned herein are for identification and educational purposes only and are the property of, and may be trademarks of, their respective owners.
randstad employee brand research 2019 usa resultsRandstad USA
The Randstad Employer Brand Research dives into what people find attractive when choosing an employer. The survey, conducted since 2000, is independent and gives you a peek into the hearts and minds of employees and job seekers alike.
are you driving your best workers away?Randstad USA
In today’s tight labor market, retaining quality employees is more important than ever. To gain insight, Randstad US surveyed employees on what motivates them to leave, as well as the reasons — both good and bad — they choose to stay.
Randstad's Employer Brand Research 2018 - USARandstad USA
In this tight labor market, the war for talent is tougher than ever before. Now more than ever, an employer’s reputation is critical to attracting skilled workers. According to the 2018 Randstad Employer Brand Research, we are seeing dramatic shifts in attitudes that indicate employees want more than just an attractive salary and benefits. This year's U.S. report will give you insights into:
-the attributes job seekers value most in an employer
-what makes employees stay or leave their companies
-the attractiveness of your sector and how it compares to others
Professional networks like LinkedIn can be powerful tools for building your professional brand, finding opportunities and getting attention from employers. But the way employers and candidates alike use LinkedIn is changing — and whether you're a relative newbie or a veteran user, it can be hard to keep up. Plus, it's not just how LinkedIn gets used that's changing. The platform recently rolled out a suite of new tools and capabilities that can enhance your visibility and make all the difference in your job search — that is, if you know how to use them. If career growth and expanding your network are your top priorities, then the following Randstad presentation on best practices for LinkedIn could not be more timely.
five ways to retain your diverse workforce. Randstad USA
When it comes to the future of work there are a few key trends which business leaders need to pay attention to.
Understanding these trends will allow organizations to better prepare and adapt to the changes which are impacting the way we work. Learn more about the five ways to retain your diverse workforce.
Warning: Surprises ahead. Leaders from different industries at Randstad USA weigh in on their predictions for the workforce in 2018. Are you ready for what's coming for your organization and your team?
While there is ongoing discussion surrounding the STEM (science, technology, engineering and math) skills shortage, what is not widely deliberated is the lack of women in these critical careers. According to the U.S.Bureau of Labor Statistics (BLS), women make up 47 percent of the total U.S. workforce and hold 60 percent of all bachelor’s degrees, yet they hold only about 25 percent of all computer and mathematical occupations. The number drops to 15 percent for architecture and engineering jobs.
Randstad conducted a study to uncover key motivations, beliefs and perspectives of STEM-related topics among kids aged 11 to 17. The Randstad STEM Study and Insights Report highlights major trends and barriers among young children in both interest and intended pursuit of STEM professions. Based on these findings, Randstad conducted in-depth interviews with 13 of America’s leading female STEM executives with the goal of understanding and addressing these challenges.
Encourage children to #bethecurious.
http://randstad.us/2vinaoU
Did you know 78% of back injuries are sustained when an employee is lifting?
In the middle of a busy shift, it only takes a busy worker a split second to strain a muscle, sustain a hernia, sprain a ligament or damage a vertebra —all from the improper lifting of an object.
Technologies: Expert in the room webinar: four key practices to taking your s...Randstad USA
Join us for our Expert in the Room Webinar! Today's host is, Jeff Brandt, an accomplished Randstad veteran with 13+ years of experience at all levels of Service Desk Solutions delivery including managing individual Service Desks to a Delivery Center of over 300 Analysts.
Key takeaways for taking your service desk from good to great:
The Customer Experience
Service Level Management
Continual Service Improvement
Knowledge Management
Technologies: Expert in the Room Webinar: Optimizing your Website for MobileRandstad USA
Key Takeaways:
- Why optimize for mobility
- Defining your approach
- Mistakes made when designing for mobile
- Best practices for developing a mobile website
The Impact of Recruiting and Hiring on Order Management and Delivery Performa...Randstad USA
Today’s manufacturing and logistics operations are at the center of rapidly evolving industry
trends that impact operational efficiency and influence customer retention. In particular, the
intricacies of inventory management and order fulfillment have escalated as both order and
distribution channels proliferate and customers demand faster and less expensive delivery options.
Technologies: Expert in the Room Webinar: Navigate Infrastructure ManagementRandstad USA
Secrets from the deep: Navigate infrastructure management through our experience and successes,
• Command Center – What tools can help you better monitor the infrastructure and the user experience for these key processes: Event Management, Incident Management, and Problem Management?
• Site Engineering – How do successful organizations assign, track, and manage these critical day to day operational tasks that can make or break a data center?
• Data Center Operations – How can reviewing workloads, tasks times, and frequency help you manage your operations more efficiently?
• Resource Acquisition/Management – What are the best options for resource acquisition and how can you ensure you have the skill sets you need to run your environment?
Encryption in Microsoft 365 - ExpertsLive Netherlands 2024Albert Hoitingh
In this session I delve into the encryption technology used in Microsoft 365 and Microsoft Purview. Including the concepts of Customer Key and Double Key Encryption.
Kubernetes & AI - Beauty and the Beast !?! @KCD Istanbul 2024Tobias Schneck
As AI technology is pushing into IT I was wondering myself, as an “infrastructure container kubernetes guy”, how get this fancy AI technology get managed from an infrastructure operational view? Is it possible to apply our lovely cloud native principals as well? What benefit’s both technologies could bring to each other?
Let me take this questions and provide you a short journey through existing deployment models and use cases for AI software. On practical examples, we discuss what cloud/on-premise strategy we may need for applying it to our own infrastructure to get it to work from an enterprise perspective. I want to give an overview about infrastructure requirements and technologies, what could be beneficial or limiting your AI use cases in an enterprise environment. An interactive Demo will give you some insides, what approaches I got already working for real.
UiPath Test Automation using UiPath Test Suite series, part 4DianaGray10
Welcome to UiPath Test Automation using UiPath Test Suite series part 4. In this session, we will cover Test Manager overview along with SAP heatmap.
The UiPath Test Manager overview with SAP heatmap webinar offers a concise yet comprehensive exploration of the role of a Test Manager within SAP environments, coupled with the utilization of heatmaps for effective testing strategies.
Participants will gain insights into the responsibilities, challenges, and best practices associated with test management in SAP projects. Additionally, the webinar delves into the significance of heatmaps as a visual aid for identifying testing priorities, areas of risk, and resource allocation within SAP landscapes. Through this session, attendees can expect to enhance their understanding of test management principles while learning practical approaches to optimize testing processes in SAP environments using heatmap visualization techniques
What will you get from this session?
1. Insights into SAP testing best practices
2. Heatmap utilization for testing
3. Optimization of testing processes
4. Demo
Topics covered:
Execution from the test manager
Orchestrator execution result
Defect reporting
SAP heatmap example with demo
Speaker:
Deepak Rai, Automation Practice Lead, Boundaryless Group and UiPath MVP
Epistemic Interaction - tuning interfaces to provide information for AI supportAlan Dix
Paper presented at SYNERGY workshop at AVI 2024, Genoa, Italy. 3rd June 2024
https://alandix.com/academic/papers/synergy2024-epistemic/
As machine learning integrates deeper into human-computer interactions, the concept of epistemic interaction emerges, aiming to refine these interactions to enhance system adaptability. This approach encourages minor, intentional adjustments in user behaviour to enrich the data available for system learning. This paper introduces epistemic interaction within the context of human-system communication, illustrating how deliberate interaction design can improve system understanding and adaptation. Through concrete examples, we demonstrate the potential of epistemic interaction to significantly advance human-computer interaction by leveraging intuitive human communication strategies to inform system design and functionality, offering a novel pathway for enriching user-system engagements.
Elevating Tactical DDD Patterns Through Object CalisthenicsDorra BARTAGUIZ
After immersing yourself in the blue book and its red counterpart, attending DDD-focused conferences, and applying tactical patterns, you're left with a crucial question: How do I ensure my design is effective? Tactical patterns within Domain-Driven Design (DDD) serve as guiding principles for creating clear and manageable domain models. However, achieving success with these patterns requires additional guidance. Interestingly, we've observed that a set of constraints initially designed for training purposes remarkably aligns with effective pattern implementation, offering a more ‘mechanical’ approach. Let's explore together how Object Calisthenics can elevate the design of your tactical DDD patterns, offering concrete help for those venturing into DDD for the first time!
Key Trends Shaping the Future of Infrastructure.pdfCheryl Hung
Keynote at DIGIT West Expo, Glasgow on 29 May 2024.
Cheryl Hung, ochery.com
Sr Director, Infrastructure Ecosystem, Arm.
The key trends across hardware, cloud and open-source; exploring how these areas are likely to mature and develop over the short and long-term, and then considering how organisations can position themselves to adapt and thrive.
GraphRAG is All You need? LLM & Knowledge GraphGuy Korland
Guy Korland, CEO and Co-founder of FalkorDB, will review two articles on the integration of language models with knowledge graphs.
1. Unifying Large Language Models and Knowledge Graphs: A Roadmap.
https://arxiv.org/abs/2306.08302
2. Microsoft Research's GraphRAG paper and a review paper on various uses of knowledge graphs:
https://www.microsoft.com/en-us/research/blog/graphrag-unlocking-llm-discovery-on-narrative-private-data/
Essentials of Automations: Optimizing FME Workflows with ParametersSafe Software
Are you looking to streamline your workflows and boost your projects’ efficiency? Do you find yourself searching for ways to add flexibility and control over your FME workflows? If so, you’re in the right place.
Join us for an insightful dive into the world of FME parameters, a critical element in optimizing workflow efficiency. This webinar marks the beginning of our three-part “Essentials of Automation” series. This first webinar is designed to equip you with the knowledge and skills to utilize parameters effectively: enhancing the flexibility, maintainability, and user control of your FME projects.
Here’s what you’ll gain:
- Essentials of FME Parameters: Understand the pivotal role of parameters, including Reader/Writer, Transformer, User, and FME Flow categories. Discover how they are the key to unlocking automation and optimization within your workflows.
- Practical Applications in FME Form: Delve into key user parameter types including choice, connections, and file URLs. Allow users to control how a workflow runs, making your workflows more reusable. Learn to import values and deliver the best user experience for your workflows while enhancing accuracy.
- Optimization Strategies in FME Flow: Explore the creation and strategic deployment of parameters in FME Flow, including the use of deployment and geometry parameters, to maximize workflow efficiency.
- Pro Tips for Success: Gain insights on parameterizing connections and leveraging new features like Conditional Visibility for clarity and simplicity.
We’ll wrap up with a glimpse into future webinars, followed by a Q&A session to address your specific questions surrounding this topic.
Don’t miss this opportunity to elevate your FME expertise and drive your projects to new heights of efficiency.
Accelerate your Kubernetes clusters with Varnish CachingThijs Feryn
A presentation about the usage and availability of Varnish on Kubernetes. This talk explores the capabilities of Varnish caching and shows how to use the Varnish Helm chart to deploy it to Kubernetes.
This presentation was delivered at K8SUG Singapore. See https://feryn.eu/presentations/accelerate-your-kubernetes-clusters-with-varnish-caching-k8sug-singapore-28-2024 for more details.
Generating a custom Ruby SDK for your web service or Rails API using Smithyg2nightmarescribd
Have you ever wanted a Ruby client API to communicate with your web service? Smithy is a protocol-agnostic language for defining services and SDKs. Smithy Ruby is an implementation of Smithy that generates a Ruby SDK using a Smithy model. In this talk, we will explore Smithy and Smithy Ruby to learn how to generate custom feature-rich SDKs that can communicate with any web service, such as a Rails JSON API.
2. Europay, Mastercard and Visa (EMV), the standard credit card processing method used widely
throughout the world, has proven effective at significantly reducing face-to-face credit card fraud. In
the U.K., for example, starting with EMV’s implementation in 2004, face-to-face credit card fraud fell
70 percent over the next six years. France claims an 80 percent reduction. The U.S. is the last major
market that still uses the outdated mag stripe technology, but that’s about to change. In October of
this year, what’s known as the “liability shift” will take place, meaning liability for the cost of fraud
will fall on the entity using the lesser technology.
One would think the enormity of the potential risk of a credit card security breach would drive
businesses to adopt the chip and PIN technology before the October 1st deadline. But is this actually
the case? To get a fuller picture of how businesses are approaching the upcoming liability shift and
their knowledge of and attitudes towards the pending EMV transition, Randstad Technologies
surveyed C-level executives and IT decision makers representing a cross-section of affected industries.
This report summarizes the findings of that survey.
www.randstadtechnologies.com
Introduction
3. Many businesses might miss the deadline
One of the more prominent and puzzling findings of this survey is that while nearly 60 percent of the respondents indicated they were
actively preparing for the EMV technology transition, the remaining 40 percent were pretty much evenly divided between those
either not preparing or unaware if they were. With time running out to meet the deadline, firms that have not acted by now,
especially those with numerous and geographically scattered locations, have either decided the risks are worth taking, the deadline will
be extended, or they can scramble and accomplish the transition. Given that consumer transition to the new cards has been slow,
perhaps they feel no urgency to upgrade their systems.
Greatest conversion obstacles — expertise and time
The survey also found that lack of time ranked as the top obstacle to meeting the deadline (comprised 19 percent of responses),
followed by access to technology expertise (comprised 17 percent of responses). It’s not surprising that lack of time is a factor given the
challenges organizations face getting access to the expertise required to meet the deadline. Because so many firms lack the
experienced internal personnel to handle card reader deployment, they rely on outside firms for help. Given that many of these outside
firms are fully committed to fulfilling their current workloads, the availability of skilled point-of-sale professionals who know both
deployment and EMV system certification is scarce and will only become more so as the deadline nears.
www.randstadtechnologies.com
Executive Summary
4. Another survey finding of note was that 66 percent of respondents believe that Chip and Signature does not offer sufficient security
and that PIN technologies should be required. This finding, that two-thirds of the respondents would favor the use of a PIN while a
third think that a signature is sufficient, reflects the diversity of opinions and even confusion on the subject. The issuing banks are, by
and large, opting for Chip and Signature, and one of their stated reasons is that requiring consumers to remember a PIN might make
them less likely to use their card or to complete a transaction if they forget their PIN. Retailers, on the other hand, appear to realize
that Chip and Signature is not much of an advance over the current mag stripe and that requiring a PIN is the key to a more secure
transaction.
www.randstadtechnologies.com
•
Executive Summary
Chip and Signature – not secure enough for most
Bottom line:
•
•
Many businesses will make the October deadline, but a significant number are either going to miss the deadline (whether
intentionally or unintentionally) or push to try to make it over the next few months.
The major obstacles to conversion are lack of technical deployment expertise and not having enough time to meet the deadline.
Neither of these is going to become more favorable before the deadline. In fact, access to skilled people will only grow more
difficult as October approaches.
Chip and PIN is considered more secure than Chip and Signature, but a significant number of banks are issuing only Chip and
Signature. The results of the complete survey follow.
5. No
19.05%
Not sure
22.62%
Yes
58.33%
According to survey
respondents, 58 percent
are actively preparing
for the EMV technology
transition, while the
remaining 42 percent
have not taken any
steps towards the
transition or are
unaware of any
progress made.
What’s surprising isn’t that 3 out
of 5 respondents report actively
preparing for the transition, but
that 2 out of 5 either haven’t or
aren’t sure if they have! Given
the potential liability
organizations face from a
breach, this raises some concern
— especially with so many high
profile cases of credit card fraud.
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Has your business taken any steps towards meeting the
EMV deadline?
1
6. Fifty-two percent of
respondents anticipate
that it takes more than
four months to make
the EMV transition.
Time’s running short to meet
the pending October transition
deadline. Those with large
numbers of sites to upgrade are
going to have to scramble –
and still might miss the deadline.
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How much time does the EMV transition take from
beginning to end?
2
more than
6 months
40.48%
4 - 6 months
11.9%
1 - 3 months
4.76%
not sure
42.86%
7. Aside from not having
enough time to meet
the deadline (19%),
respondents most
frequently identified
access to technology
deployment expertise
(17%) as their top
obstacle.
Technology deployment
expertise isn’t just limited to
physical deployment know-how,
but other issues as well -- for
example, how to attain EMV
certification. It’s not surprising
that the lack of time is a
prominent factor given that
organizations face challenges
getting access to the right
technology expertise to meet
the deadline.
Deeper insight
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What are the greatest obstacles your business faces in
meeting the deadline for EMV card readers?
3
17%
14%
12% 12%
19%
26%
Access to
technology
expertise
Cost Limited
availability
to card
reader
Development
of the
application
Not
enough
time
Other
8. 58 percent of survey
respondents believe
that failing to meet the
liability shift deadline
will have either limited
or no impact on their
company’s bottom line.
This reveals that a segment of
organizations have placed their
EMV transition on the back burner.
Some might be discounting the
magnitude of the risk they are
exposing themselves to by missing
the deadline. Others might have
what they consider higher business
priorities commanding their
attention and resources. Perhaps
they plan on transitioning at their
own pace or think that costs
might decline.
Deeper insight
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If your business does not make the EMV transition in time, what level of
impact will the liability shift have on your company’s bottom line?
4
Limited impact
No impact
Significant impact
Not sure
9. Nearly 30 percent
believe that having
EMV card readers will
encourage customers to
conduct business with
them and another 32
percent are uncertain
about its impact.
Because consumers have
been largely insulated from the costs
of credit card fraud, this finding
reveals that organizations don’t
necessarily think customers will
change their purchasing behavior
based on their offering a more
secure purchasing option. Also,
communication and marketing
efforts to promote the security
benefits of the EMV system over the
traditional mag stripe technology
to consumers have been spotty.
Deeper insight
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Do you believe your customers are more likely to conduct
business with you if you have EMV card readers deployed?
Not sure
32.39%
Yes
29.58%
No
38.03%
5
10. The majority (66
percent) believe Chip
and Signature does not
offer ample security and
that PIN technologies
should be required.
If there’s anything surprising in these
numbers it’s that nearly six percent
of respondents believe that mag
stripe technology offers sufficient
security. That’s a perspective that’s
been undercut on many occasions
by costly security breaches to a
number of prominent businesses.
Deeper insight
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Do you think Chip and Signature cards offer ample security to your
customers, or do you think PINs should also be required?
6
No. Chip and
PIN should be
required
66.2%
Yes. Chip and
signature is
sufficient
28.17%
Neither. Traditional mag stripe
technology offers enough security
5.63%
11. More than half believe
the liability shift should
be delayed (56 percent).
Although the restaurant industry, in particular, has
been advocating for a delay in the transition
deadline, there’s no widespread push for delay,
and there’s nothing right now to indicate that a
delay is probable. Organizations that procrastinate
because they think the deadline is going to be
pushed back might find themselves out of luck, as
deployment help will be scarce and the new pin
pads will be nearly impossible to acquire as
October grows near.
Deeper insight
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Do you think the EMV liability shift deadline should be
and/or will be delayed?
7
25.5%
31%
22.5% 21%
Yes, it
should be
delayed
and will
be delayed
Yes, it
should
be delayed
but probably
won’t be
No, it should
not be
delayed
and likely
won’t be
No, it should
not be
delayed
but probably
will be
12. Conclusion:
Given that the liability shift is only a few months away and it’s unlikely to be
delayed, it’s surprising that so many organizations are either waiting until
the last minute to act or are willing to incur the associated risks from
missing the deadline. For those organizations that still think they can make
the October deadline, the longer they wait, the more they are going to find
that deployment expertise and the new card readers will be in short supply.
Additionally, those willing to incur the risks should be aware that thieves
will be looking for the weakest link — and if they turn out to be that link,
the price for ignoring the deadline could be steep.
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13. Methodology:
Randstad Technologies surveyed 84 IT decision makers within large-scale*
national businesses to gauge their readiness for the EMV liability shift
deadline in October. Respondents included C-level and director-level staff
within top industries affected by the deadline, including retail, hospitality,
restaurants, financial services and others. The survey was conducted from
May 13, 2015 through June 19, 2015.
* according to these results “large-scale” business are those with 100 or more sites
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