QUALITY IS JOB ONE!

SECURITY IS JOB ONE!

SHOW’S ABOUT TO START!

• Are EMV and APPLE PAY friends or foe?• What would MERCATOR say?• So, I picked a MOBILE WALLET; now what?

But before we head off to new INSIGHTS, a couple of thoughts.

EMV

• It’s coming; get over it.• It’s not Y2K so we’ll see lingering impacts and non-compliance results for a decade.• No, there’s no business case.• Yes, some issuers and merchants will skate through EMV but why take the risk?• Yes, we’re still hammering out the final details on routing and the role of mobile players.

WALLETS, WALLETS, WALLETS• Yes, they’re important.• No, there will not be a lone survivor.• Yes, customer experiences will be enhanced.• Yes, customers will get confused and

frustrated.• Yes, one or more wallets will be hacked.• Yes, you can still write a check.

WHAT’S THIS NUMBER MEAN?

11,856,900,323,098,141,665

HOW DO THESE RECONCILE?The Internet of Things will lead to $1 Trillion in new opportunities by 2020!

-Motley Fool

The Internet was, is, and will forever be, a sewer!

-John MacAllister

WE ARE NEVER ALONE!CO-OPTHINK.ORG

GHOSTERYSPOTS FOUR INTERLOPERS

FINAL THOUGHTS

• Firing the IT MANAGER won’t solve the problem.• SECURITY is part of everyone’s job description.• INTERNAL THREATS are just as painful as those from the outside.• We will always play CATCH-UP, not follow the leader.• Doing EVERYTHING we can to make the value of the data stolen worthless may change criminal

behavior.