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In the ever-evolving landscape of cybersecurity and data protection, Visa has recently announced a significant shift in its approach to PCI PIN.

This article explains what a payment HSM is, the need for it to be within PCI compliance under PCI Hardware Security Module (HSM), and the importance of being PCI-HSM-certified. 

As the choice of HSMs is dependent on the specific application it is used for, we make some general recommendations by providing a list of potential criteria to take into account, irrespective of what you intend to use it for.

Explaining Payments as a Service and how PSD2 is paving the way to make payments easier and enhancing protections for consumers.

This article explains the concept of Banking-as-a-Service and how with the right technical foundation incumbent banks can benefit.

In this article, we describe various applications of tokenization in card-not-present transactions – when plastic cards become digital tokens.

In this article, we outline and explain the principles behind tokenization and how this is used by financial institutions in transaction processing all over the world.

Fleet cards are given by a company to their employees; for example, truck drivers delivering the company’s goods to where they will be sold. Here we will explain how fleet cards/fuel cards work and the role that hardware security modules can play in providing more secure features for these cards under PCI-DSS compliance.

Open Finance is driven by technologies such as open APIs. It is a publicly available application programming interface with programmatic access to a proprietary software application or web service – a set of requirements that control how one application communicates and interacts with another.

Most standard card payment systems utilize what is called the “Four Corners” model. This model relies on the secure environments provided by HSMs to protect the numerous cryptographic keys and cryptographic operations.

What is Buy Now, Pay Later? BNPL for short is known as installment payments and point-of-sale financing (POSF). Offering buyers credit as part of a purchase has been around since antiquity and therefore, what we are seeing is an explosion of a new variant.

Given the sheer scale of cybercrime, which could cost the world $10.5 trillion a year by 2025, a paradigm shift in the way we secure data is long overdue. Blockchain technology may be one way to achieve this: with blockchain technology security is ‘baked in’.