23 October 2016


Pat CarrollValidSoft - London

Security by Obscurity is the key!

27 January 2015  |  3156 views  |  0 comments | recommendations Recommends 0

2014 shocked us all into the reality that no institution or organization, no matter how big or sophisticated, was immune to being “hacked” or “breached”. Towards the end of the year, we were all numbed into submission and the shock factor resulting from the headlines that continued to dominate, was replaced with an uneasy bewilderment. Already thi...

TagsSecurityTransaction bankingGroupInformation Security
Pat CarrollValidSoft - London

Chip and Signature, a Paradise Lost

28 October 2014  |  4690 views  |  2 comments | recommendations Recommends 1

By now, most participants in the US payments industry are finally about to realize that the day of the mag stripe is doomed and that EMV, the secure payment card technology rolled out in Europe nearly a decade ago, is finally about to make its debut in the US. Incredulous as it may seem, the financial integrity of the payment card industry continu...

TagsCardsPaymentsGroupDisruption in Retail Banking
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Pat Carroll
Pat CarrollValidSoft - London

Payment Card Data Theft At The POS - Time To Knuckle Down

13 October 2014  |  4638 views  |  1 comments | recommendations Recommends 0

Recently, I wrote a piece highlighting some of the startling data released on the true costs of fraud published in a report by Lexis Nexis. This report examined the costs of fraud across a number of d...

TagsSecurityPaymentsGroupInnovation in Financial Services
Pat Carroll
Pat CarrollValidSoft - London

More Channels, More Payment Options, More Fraud

23 September 2014  |  1952 views  |  0 comments | recommendations Recommends 0

Payment fraud is one of the greatest threats to global commerce today, yet it remains one of the hardest to quantify and or course, prevent. That is why I found the recent webinar hosted by LexisNexis...

TagsMobile & onlinePaymentsGroupInnovation in Financial Services
Pat Carroll
Pat CarrollValidSoft - London

iHack Hastens Call for Multi-factor Authentication

05 September 2014  |  3353 views  |  1 comments | recommendations Recommends 0

“If only I would have known” is a phase that Jennifer Lawrence, Kate Upton and possibly as many as 100 celebrities and notable personalities are likely saying after a reported massive breach of Apple’...

TagsSecurityPaymentsGroupInformation Security
Pat Carroll
Pat CarrollValidSoft - London

'PSD2' a Much-Needed Step To Uniformity and Accountability

18 August 2014  |  3258 views  |  0 comments | recommendations Recommends 0

Payment Services Directive 2.0, Why “PSD2” is A Much-Needed Step Towards Uniformity and Accountability in the European Payments Industry Rules and regulations serve many purposes, from ensuring that

TagsPaymentsRisk & regulationGroupInnovation in Financial Services
Pat Carroll
Pat CarrollValidSoft - London

Securing Transactions Means More Than Just Authentication

10 July 2014  |  3323 views  |  0 comments | recommendations Recommends 0

The payments world is all abuzz about the potential of biometrics to solve many of the serious payment security issues we now face. Not only does biometric authentication – be it voice, iris or even A...

TagsSecurityPaymentsGroupInnovation in Financial Services
Pat Carroll
Pat CarrollValidSoft - London

'Trust but Verify' : Trust in Data Protection and Mobile

13 June 2014  |  2931 views  |  0 comments | recommendations Recommends 0

No matter what part of the payment industry you’re in, earning and retaining your customer’s trust is paramount. In light of numerous data breaches and even government spying, companies the world over...

TagsSecurityMobile & onlineGroupInnovation in Financial Services
Pat Carroll
Pat CarrollValidSoft - London

Proposed legislation puts consumers back in the driving seat

25 March 2014  |  1505 views  |  0 comments | recommendations Recommends 0

Recent developments at the European Parliament have proven to be a key milestone for the European Commission's data protection reform. Parliamentary support is now ensured for vital legislation which...

TagsRisk & regulationInnovationGroupInnovation in Financial Services
Pat Carroll
Pat CarrollValidSoft - London

How do we achieve 'The Holy Grail' in contactless payments?

28 February 2014  |  2991 views  |  0 comments | recommendations Recommends 0

Hot on the back of the recent news of Europe’s largest department store group El Corte Inglés taking the plunge towards contactless, yesterday’s Finextra report highlights new figures from WorldPay s...

TagsMobile & onlinePaymentsGroupInnovation in Financial Services
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