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Ryan RackleyIssuers, merchants and card brands are finally in the process of aligning in the United States. The stage is set for EMV to be mass adopted after 20 some years, and the time to act is now.

Security breaches in the marketplace continue to rise with the recent Target, Neiman Marcus and Michaels fiascos making headlines in early 2014. Unfortunately, these are just the latest in a long line of significant security breaches that demand change in the credit union industry.

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