Payments Blog

EMVCo's 2015 EMV User Meeting

 Cardinal’s own Tim Sherwin, Chandra Balasubramanian, and Mike Roche attended the 2015 EMV User Meeting.

This year’s meeting was held at the Hotel Monaco in Seattle.  Several new members joined us, PSP’s and issuers worldwide.

This event, ran by American Express, Discover, JCB, MasterCard, UnionPay, and Visa, focused on getting everyone comfortable with the authentication use cases and the new protocols.  The overall basis behind 3DS 2.0 is “more”.  The new protocols account for many new options merchants can share with issuers in order to drive fraud out of the system, while increasing acceptances on both sides of the table.

3DS 2.0 is going to be a critical tool for the industry to scale, as it addresses several of the challenges the new devices present to the current protocols.  Issuers and merchants will be able to grow as fast as the pace of technology, without fraud growing as well.  If your organization is eligible for membership, I would highly recommend joining in order to help us shape the future of Consumer Authentication globally as it evolves.

Prepare for the EMV liability shift and 3DS 2.0 with One Connection to Cardinal. Contact us today to learn more.


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Posted by Michael Roche

Michael Roche is the Vice President of Consumer Authentication where he focuses on developing and strengthening relationships with enterprise partners in order to provide them with eCommerce solutions tailored to their needs.Mike is our Consumer Authentication expert. He is instrumental in soliciting feedback from Customers to improve current products and shape new product development.

Mike has been with CardinalCommerce since 2003, serving in many different capacities throughout his tenure. He is the founding member of the sales force and merchant support teams, where he has had the opportunity to contribute and lead the development of all of Cardinal’s Consumer Authentication programs, while working very closely with both Visa and MasterCard on their design and deployment of 3-D Secure. Mike is a member of The Payments Committee with the Merchant Risk Council (MRC) and is active with other industry organizations such as the Direct Response Forum, Electronic Transaction Association, Secure Remote Payments Council, and Cardholder Not Present Forum. He is frequently invited to speak at industry events on various payments- and fraud-related topics, in the U.S. and internationally.

Mike holds two Bachelor of Arts degrees with distinction from John Carroll University and is pursuing his MBA from Case Western Reserve University. In his free time, Mike enjoys fishing on Lake Erie, is a history fanatic and also is a published author. His greatest pride and accomplishments are his daughter Theodora, his son Macklin and beautiful wife Rebecca.

Find me on: LinkedIn

Jul 28, 2015 8:30:00 AM

Topics: EMV

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