EMV: Coming Soon to a Card Near You
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1 Julie Conroy
2 EMV: Coming Soon to a Card Near You Page 2
3 This presentation is the work of its author who is solely responsible for its contents. First Data Corporation and its subsidiaries and affiliates are not responsible for the facts, opinions, or other content contained herein, and therefore cannot make any representations or warranties as to the accuracy or completeness of this information. This work should not be copied or otherwise distributed without the express written consent of its author.
4 Agenda EMV: A primer The U.S. migration Where will the fraud go?
5 The last G-20 country to embrace the EMV standard
6 Interoperability Mobile payments Increasing fraud Decreasing costs EMV: Why now?
7 Interoperability Mobile payments Increasing fraud Decreasing costs EMV: Why now?
8 Interoperability Mobile payments Increasing fraud Decreasing costs EMV: Why now?
9 Interoperability Mobile payments Increasing fraud Decreasing costs EMV: Why now?
10 Important milestones October 2012 April 2013 April 2013 October 2015 October 2016 October 2017 October 2017 PCI annual assessment forgiveness Acquirer processing updates in place Maestro liability shift POS liability shift ATM liability shift (MC) ATM liability shift (Visa) Fuel dispenser liability shift
11 Many decisions to be made Chip and PIN vs. Chip and Sig Online vs. offline authentication Contact vs. contactless Credit or debit first? Issuance strategy ATM upgrade timelines
12 Agenda EMV: A primer The U.S. migration Where will the fraud go?
13 The infrastructure has a ways to go Q. What's the percentage of merchants in your portfolio that are equipped with an EMV-ready terminal? (N=19) Equipped merchants 3% Non-equipped 97%, Source: Aite Group interviews with 20 North American acquirers, March 2012
14 One-third of acquirers missed the April 2013 deadline Q. When do you expect to finish implementing all the changes necessary in order to be ready for the EMV mandate? (N=20) 50% 35% 15% Before deadline On deadline After deadline Source: Aite Group interviews with 20 North American acquirers, March 2012
15 As in other countries, small merchants in the U.S. will lag in migrating to EMV The major credit card networks have announced a program to transition to EMV cards by October of These cards utilize a computer chip to transmit card information to the card terminal in place of the current magnetic stripe. They provide improved security but require new terminals. Merchant Awareness of EMV Initiative (N=351) Unaware 75% Source: Aite Group survey of 351 merchants, March to April 2013 No significant differences in awareness among the various sizes of merchants. Aware 25%
16 EMV: Coming Soon U.S. Issuers' Planned Timeline for EMV General Issuance (N=15) Timeline will be in place by late 2013/early 2014, 2 Begin 2014, will be 75% complete by October 2015, 1 Begin 2014, will be complete by October 2015, 4 Just started planning, targeting 2015, 2 Undecided, 1 Begin 2015, 1 Begin late 2013, will be done by 2015, 4 Source: Aite Group interviews with 15 large U.S. issuers, January to May 2013
17 Agenda EMV: A primer The U.S. migration Where will the fraud go?
18 Squeezing the balloon CNP Application and first-party fraud Non-EMV geographies
19 Key takeaways EMV is now a matter of when not if The U.S. migration promises to be painful, thanks to our fragmented market Fraudsters will capitalize on the ensuing chaos Education will be key somebody needs to step up to make it happen!
20 Aite Group: Partner, Advisor, Catalyst Aite Group (pronounced eye-tay) is an independent research and advisory firm focused on business, technology and regulatory issues and their impact on the financial services industry. Julie Conroy Research Director
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