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In the race to provide consumers with identity verification tools that are simple and easy to use, it's in everyone's best interest to ensure that businesses are not sacrificing data security in the process.

ID Analytics Inc. wants to make sure banks know when a fraudster has taken over an account and is trying to go wild with card payments or money transfers.

EMV chips improve security over magnetic-stripe cards, but they have not been easy to implement. Years ago, a Forrester analyst said "the U.S. is going to adopt EMV in about the same way the U.S. adopted the metric system — somewhere between kicking and screaming and not at all." What have been the biggest hurdles?

Migrating to EMV does not mean card issuers have to do away with their instant-issuance systems.

The Payment Card Industry Security Standards Council is making its security standards available on a Russian-language microsite as part of a move to promote data security in Russia.

Bill.com is using its business payment technology to help users determine when and where to ask for additional security information, a move designed to spot vulnerabilities that require extra protection.

To create effective mobile payments products, developers must treat merchants and consumers as separate customer segments that have of inextricably-linked needs.

A symbiotic relationship between security and revenue may sound too good to be true, but it's not. ISOs and acquirers can succeed by creating opportunities that pair enhanced PCI compliance tools with new revenue streams.

Customizable card designs are not just for people wanting photos of their cats emblazoned on their credit cards. Such an offering also has a role at government agencies to help combine ID cards and payment cards.

The best way to judge a mobile wallet's potential is to see how it handles failure.