Expert perspectives on application security, compliance, and emerging threats
Fraud Detection AnalyticsThe Conventional Wisdom Fraud prevention teams often blame privacy regulations for their inability to share scam intelligence quickly. They argue that laws like PIPEDA in Canada, GDPR in Europe, and s
Cryptography and Key ManagementYou re looking at a vast array of cryptographic implementations across payment systems, transaction databases, authentication services, and customer records. Quantum computing threatens to break RSA,
Payment Ecosystem and Transaction ProcessingThe Pressure to Get It Right Tokenized deposits are rapidly moving from pilot projects to full-scale implementation. This speed creates pressure on your compliance team. You need to support business g
Network and Software SecurityWhat Happened The Federal Reserve Board, FDIC, and OCC recently issued a joint statement on handling banks sensitive examination records. They introduced two changes: examiners may leave highly sensit
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Incident Response and ForensicsWhen Nayax announced it wouldn t pay the ransom after its recent data breach , it sparked a debate: Should companies ever pay? This question persists because certain myths have embedded themselves in
Cryptography and Key ManagementScope This guide tackles the challenge of discovering and inventorying cryptographic assets in payment environments, especially as post-quantum cryptography becomes a requirement. It s designed for te
Cryptography and Key ManagementThe March 2027 deadline for CBOM standards isn t your problem. Your problem is finding every certificate, key, and algorithm buried in your infrastructure before quantum computers break your encryptio
Payment Ecosystem and Transaction ProcessingThe Accredited Standards Committee X9 Inc. released X9.150, Merchant-Presented QR Codes for Secure Payment, in 2024. This is the first U.S. standard defining structure, content, and security requireme
Payment Ecosystem and Transaction ProcessingPurpose of the Template The X9.150 standard defines how merchants generate QR codes that customers scan to authorize push payments through FedNow, RTP, ACH, or other account-based rails. This template
PCI DSS ComplianceThe Challenge A multinational payment processor s compliance team found a problem during a routine gap assessment: their Brazilian acquirer partner had implemented network segmentation controls that d
Fraud TypologiesFraud operations teams at regional banks and card processors are grappling with a significant issue: rising dispute volumes that outpace their budgets, with most disputes turning out to be friendly fr
Payment Ecosystem and Transaction ProcessingYour payments operations team faces a paradox: the card networks you rely on are also the vendors whose fees you challenge most aggressively. When regulators step in, you might expect relief. Instead,
Fraud Detection AnalyticsYou re facing a critical decision that affects your institution s risk posture: integrate AI into your fraud detection stack now, or wait until you ve resolved concerns about accuracy, data quality, a
Fraud Detection AnalyticsYour fraud team knows AI-powered attacks are escalating. You ve seen the headlines about deepfake heists and voice cloning. But when it comes to actually strengthening your identity verification contr
Fraud Detection AnalyticsYour identity verification tools may not be equipped to handle the rapid advancements in deepfakes and voice cloning. This gap is more critical than your quarterly pen test results. This checklist hel
Payment Ecosystem and Transaction ProcessingThe UK s designation of Microsoft, Google Cloud, AWS, and Oracle as Critical Third Parties (CTPs) under direct financial regulator supervision changes what your compliance team must document. Starting
