In reply to Philip Andreae.

Philip, if you consider 15 years in the Payment space making me a new entrant than your weak points may have had more validity. I have heard these poor kindergarten level arguments supporting EMV and CVV for years, and I see nothing has changed. I will not bother engaging in a further article posting rant discussion nor share our platform/IPas I have more important things to do...IE run a company. So in the future, when you want to spend 4 hours of your day posting rebuttles on PYMNTS to support EMV and