For Security & Risk Professionals

Case Study: The Smart Card Is King At Deloitte Ireland

A Multifunctional Authentication Credential Is Now Integral To Employees' Daily Lives

by Bill Nagel, July 23, 2009

John Gray at Deloitte Ireland had a vision for a multifunctional second-factor authentication credential that would not only address the company's need to better protect its data, network, and facilities but also become a positive aspect of the firm's . . .

For Security & Risk Professionals

Best Practices: Implementing Strong Authentication In Your Enterprise

Kill Two Birds With One Token

by Bill Nagel, July 23, 2009

The adoption of strong multifactor authentication (MFA) is on the rise. It's often the first port of call on the journey to a fuller identity and access management implementation; MFA directly addresses the password problem, which is a well-known and . . .

For Security & Risk Professionals

Case Study: For Avaya, Customers Are Not A Token Consideration

A Plug-And-Go Smart Token Combines With PKI For Security And Auditability

by Bill Nagel, July 23, 2009

Rick Robinson at Avaya had a vision for a multifunctional second-factor authentication credential that would satisfy customer compliance requirements without significant adverse effects on his engineering and technical support staff. By testing how well . . .

For Security & Risk Professionals

Case Study: Unisys Takes Its Own Authentication Medicine

Systems Integrator Chooses An Integrated Credential To Solve Global Physical And Logical Access Challenges

by Bill Nagel, October 21, 2008

Unisys is a large and diversified systems integrator with operations worldwide. In recent years, the firm has seen its global workforce become increasingly mobile. At the same time, techniques to defeat passwords have become more sophisticated, eroding . . .

For Security & Risk Professionals

Market Overview: Strong Authentication For Enterprises In 2008

Securing The Doors To Your IT Environment

by Bill Nagel, July 16, 2008

Security professionals have long known that passwords are no longer sufficient to act as the sole means of gatekeeping access to enterprise network and data resources. Increasingly, they're putting that knowledge into action: More than half of the enterprises . . .

For Security & Risk Professionals

Extending Mobile Identity Beyond Authentication

Banks, Mobile Operators, And Vendors Team Up For SIM Card-Based Security

by Bill Nagel, April 11, 2008

With mobile phones reaching saturation levels in many countries, banks and other service providers are taking a second look at providing financial and commercial services over the mobile channel. Mobile banking and PKI both flamed out spectacularly in . . .

For Security & Risk Professionals

Government eID Projects Need Private Sector Initiative And Support For Broader Success

A Look At Europe's Experience With PKI-Enabled National ID Cards

by Bill Nagel, April 7, 2008

To date, at least 12 European countries have either developed or rolled out national electronic citizen IDs (eIDs) based on a government-created and -managed public key infrastructure (PKI) or are in the process of doing so. National governments intended . . .

For Consumer Product Strategy Professionals

The Changing Retail Payment Systems Landscape

Winners Are Emerging From The Flood Of New Payment Systems

by Benjamin Ensor, September 18, 2007

Retail payment systems are going through rapid change as a combination of technology innovation, new transaction types, and fraud drive improvements to existing systems, as well as the development of a large number of new alternative payment methods. . . .

Contactless Mission: Impossible

Proximity Bank Cards Won't Displace Nickels And Dimes

by Ivan Remsik, July 5, 2005

Contactless technology promises to accomplish the card industry's long-proclaimed cash-replacement mission; it has triggered press release wars over which solution is the world's first, the fastest, or the truly viable option for low-value payments. Under . . .

For eBusiness & Channel Strategy Professionals

Which New Payment Systems Do Europeans Use?

by Benjamin Ensor, Elena Giovannini, March 22, 2005

Although there are many new payment systems in Europe, few consumers used any new system last year. Many Europeans don't even know that alternative payment systems exist. But low awareness isn't the real problem. Many of today's new payment systems just . . .

Why Cable Operators Need CableCARD

Two-Way CableCARD-Fueled Device Innovation Will Retain Cable Subscribers

by Josh Bernoff, December 23, 2004

Digital cable ready TV sets are now shipping. They use a cable-operator-supplied smart card called a CableCARD to get access to digital and HDTV programming without a set-top box. Cable operators should rethink their current lukewarm posture toward CableCARD. . . .

Who's Who In Smart Card Technology In 2004

by Andrew Bartels, July 23, 2004

Despite hopes for broader adoption, the primary use of smart cards continues to be as SIM chips in mobile phones and as more-fraud-resistant credit and debit cards for banks. These two uses still represent 87% of all smart cards sold — little change from . . .

Unlike Smart Cards, Contactless Cards Will Succeed

by Catherine Graeber, Bill Doyle, Jeremy Sweeney, December 23, 2003

Consumers are ready for a convenient alternative to cash - and Forrester believes that contactless cards will provide the answer. MasterCard's PayPass pilot demonstrates that RF-enabled cards can benefit card issuers and merchants as well as consumers.

Starbucks' Fancy New Card: Thanks A Latte!

by Kate Delhagen, Carrie Johnson, October 14, 2003

The Starbucks Card Duetto Visa is like a triple shot of espresso: a powerful new combo of credit card functionality, stored value card convenience, and some dandy perks for Starbucks loyalists - who we expect will make room for the card in their wallets.

New Payment Systems' Survival Guide

by Benjamin Ensor, Dr. Therese Torris, Marie Fagerström, Noelia Martínez, July 1, 2003

Most of Europe's 60 new payment systems will fail. Survivors will stick to the usage conditions under which they outstrip cash and plastic cards and work harder at driving their diffusion - which will take a decade.

Convergence of Beverages and Banking to Grow Bank Revenues

by Penny Gillespie, June 19, 2003

Although adoption may be initially slower than hoped, multi-application payment cards do offer value to their users, promote the beverage brand name and can lead to more formalized banking relationships.

CRM Best Practices: CVS Loyalty Card Marketing

by Eric Schmitt, Christine Spivey Overby, June 5, 2003

CVS has enrolled more than 34 million members in its ExtraCare card program - a group that drives more than half of the chain's nonpharmacy revenues. The program's outstanding design and execution highlight a wealth of database marketing best practices.

Can RFID Payments Cross The Chasm?

by Christopher M. Kelley, Kate Delhagen, James Crawford, Esther H. Yuen, April 8, 2003

Twenty-two million US households use RFID gadgets to pay for gas, tolls, and tortilla chips. But with thousands of Mobil stations and select McDonald's and Stop & Shop Supermarkets accepting RFID payments, satisfaction is modest, and limited distribution . . .

Magstripe Cards Still Rule for Retail Payments, but Smart Cards and RFID Devices Have Potential

by Andrew Bartels, December 26, 2002

We would not recommend retailers in North America spend any time or resources on mobile payment technologies at this time, given the immaturity of the technology and the low likelihood of consumer use.

Moneo: At Last, A Smart Electronic Purse

by Benjamin Ensor, Dr. Therese Torris, November 14, 2002

France's Moneo electronic purse has learnt the lessons from other project failures: make it easy to load money, leverage network effects, and ignore online retail. To maintain Moneo's momentum, French banks must keep their fees down.

RSA Algorithm on Smart Cards Requires Co-Processors

by Jan Sundgren, September 16, 2002

Supporting the RSA algorithm, and especially 2048-bit RSA, makes a smart card more expensive, though high volumes obviously bring prices down, and the general trend is for prices to fall.

Stored Value Gift Certificates: Key Vendors

by Penny Gillespie, August 28, 2002

Several vendors have been identified as supplying stored value gift certificates. In some cases, the vendor provides the cards, others offer turnkey solutions, either outsourcing card manufacturing or doing it in-house.

Stored Value and Gift Certificates: A Great Match

by Penny Gillespie, August 28, 2002

Gift certificates sales are expected to increase. Retailers would be wise to use stored value gift certificates. Failure to do so could result in lost sales and missed opportunities — both at the POS and on the Web.

Paying With RFID, Smart Cards, And Biometrics

by James Crawford, Kate Delhagen, Amy Dash, Gregory N. Flemming, Ph.D., July 16, 2002

With debit and stored-value cards already stretching the capabilities of today's POS systems, retailers must also plan for three new payment options beginning to appear at registers. But before launching expensive upgrades, retailers must look beyond . . .

Smart Cards - All Sizzle, No Steak

by Catherine Graeber, Alanna Denton, June 4, 2002

Almost 60% of North American online consumers have heard of smart cards, but less than 10% actually have one in their wallets. What's the holdup? Aside from price and implementation issues, smart card issuers need to find the right mix of compelling chip . . .