The 3D Secure protocols, one for each network, that connect ecommerce merchants to the cardholder’s issuer, has had a rough go. But after ten years, smarter application of the tool and, in particular, risk-based usage makes it more attractive to both issuers and merchants.
It’s always intriguing to watch how a good idea evolves into new areas. Such evolution often happens when designers find new applications for their ideas. Brian Merritt and Ryan Hildebrand were part of the early team at Simple that was subsequently sold to BBVA.
Apple Pay's announcement has brought attention to biometrics and their role in payments security and to the broader, if amorphous, concept of online identity. Steve Wilson of Constellation Research and Glenbrook's George Peabody discuss local and cloud-based biometrics, identity attributes, and the vexing challenges of privacy.
