Payments Blog

We're Still Talking About Data!

I’m back!

Hello digital payments world! It’s an exciting time to be participating in and talking about the digital payments industry. I hope that all of you have found the time to read our series’ on PSD2 SCA exemptions and the Visa Delegated Authentication Program. Both of these topics will play a significant role in the future of our industry, which is why we want to make sure that you know as much about them as possible!

Over the last couple months, we also touched on data, in a broad sense, talking about its importance to PSD2 SCA, EMV® 3-D Secure and the industry as a whole. In the coming weeks, we’re going to dive deeper into this area, specifically touching on the role of data in the new 3-D Secure protocol, and how it differentiates this protocol in the marketplace.

In my two decades at Cardinal, I’ve learned a lot, however, one thing that still holds true today is that data is, and always will be vitally important in our industry. Even after all these years, data is always evolving, and there’s always more to learn. I hope that you’ll stick around to learn more about the role of data within EMV 3DS!

EMV® is a registered trademark in the U.S. and other countries and an unregistered trademark elsewhere. The EMV trademark is owned by EMVCo, LLC.

Posted by Tim Sherwin

Tim Sherwin is the co-founder and Chief Executive Officer at CardinalCommerce. Under Tim’s leadership, Cardinal has become the leader in enabling authenticated payment transactions in digital commerce markets. Most recently, Tim led Cardinal’s business development and product strategy efforts. He oversees Cardinal’s largest Customers and key partners including Visa, Mastercard, PayPal and American Express. Working in the payments industry, Tim has had a lead role in redefining the Consumer Authentication landscape, developing innovative payment services that help merchants increase sales, reduce fraud, and eliminate chargeback exposure without disrupting the consumer checkout experience. Tim has more than 20 issued and pending patents related to secure payment processing, mobile payments and tokenization. Prior to founding Cardinal, Tim was Senior Vice President of Business Development at QIS, an IT and internet services firm. Earlier, he was with STERIS Corporation as Controller of the North American Division, and spent time with Oracle Corporation working with Invacare Corporation, where he developed a sound and streamlined system for processing all financial transactions. Tim is a graduate of Wittenberg University with a BA in Business, and earned his MBA in finance from Case Western Reserve University’s Weatherhead School of Management. Tim serves as a member of the Merchant Risk Council (MRC) Americas Advisory Board, is a member of EMVCo, and is a frequent speaker at industry events. He is also on the board of the Cleveland Museum of Natural History.

Topics: 3-D Secure 2.0, PSD2, SCA, EMV 3-D Secure, Data, Visa Delegated Authentication

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