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Big changes are coming. That is the top-line message in Javelin Strategy + Research’s new report, “ONLINE AND MOBILE RETAIL PAYMENTS AUTHENTICATION: Preventing Fraud in the Age of Data Breaches and Malware.”

Passwords increasingly look obsolete. Card not present fraud is exploding through the roof. The arrival of chip-and-PIN (aka EMV) cards in the 2015-2017 timeframe will change the retail landscape but the magnetic stripe criminals will seek out new frontiers, probably to include online and mobile sales.

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