We told you so… why the chip didn’t solve credit card fraud

first_img 22SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr We hate to be “that” person, but we told you so. As predicted, Card Not Present (CNP) credit card fraud continues to rise since the establishment of EMV technology (chip cards) last October. CNP transactions include any payment made where the card is not physically present, online, over the phone or mobile. While card present fraud experienced a 43% decrease, according to Visa, CNP fraud experienced a direct increase. The US Payments Forum 2017 report stated that the increase in security of chip cards forced fraudsters to focus their attention on an easier target: CNP transactions. The report concluded that this trend will continue into 2018 and consumers can expect fraud dollars to exceed $6 billion.77% of U.S. merchants are selling their products online, meaning that more and more purchases are CNP transactions. Deloitte Insights conducted a survey which found that 83% of shoppers will make their purchases online this holiday season. It’s clear that CNP transactions and online shopping are here to stay this gift-giving season, so it’s vitally important to educate members on how to protect themselves. continue reading »last_img read more

Martinez putting staff together

first_img “For Roberto to bring in his team is absolutely what he wants to do and we want to support him on it,” chief executive Robert Elstone told evertontv. “We are working hard to do that and I’m hoping in the near future that Roberto will have his team. “He is also integrating into a very strong, solid team that already exists here. “There is a real spirit at Finch Farm and lot of experience. I know he will want to retain that Everton spirit but yes, he does want his own support team around him. “We are working to make that happen and I’m sure we will succeed on that in the very near future.” In relation to the likely departures, Elstone added: “Whoever ultimately moves on to new pastures goes with our best wishes and our thanks for all their contribution they have made to Everton Football Club.” The players return to pre-season training on Wednesday and while the most pressing issue is the future of Leighton Baines, for whom Manchester United had a £12million bid rejected on Thursday, the Spaniard also needs to get his coaching staff in place. Assistant manager Steve Round, coach Jimmy Lumsden and goalkeeping coach Chris Woods have all been linked with a reunion with former Toffees boss David Moyes at Old Trafford and Martinez wants to assemble his own staff. They are likely to include Graeme Jones, his assistant at both Wigan and Swansea. New Everton manager Roberto Martinez begins work next week and is likely to have his backroom staff finalised quickly.center_img Press Associationlast_img read more

Dr Jeffrey criticises GECOM’s handling of PPP’s LGE complaints

first_img…Disappearing acts of election officials has sordid history – ramkarranThe manner in which the Guyana Elections Commission (GECOM) has dealt with the complaints made by the Opposition People’s Progressive Party (PPP) as regards the fraudulent backers’ lists for the Local Government Elections (LGE) has been heavily criticised.Political analyst, Dr Henry Jeffrey said that the approach taken by GECOM was not the best, as he believes the issue could have been dealt with more skilfully. Nevertheless, he said all parties should await a decision, as the matter was now before the courts.“I would have expected that GECOM to take a more hands-on approach or attitude and try to, once things are found out, deal with them in a legal and sensible way,” Jeffrey said, explaining that GECOM has a mandate to deliver and should stick byColumnist, Attorney-at-Law Ralph Ramkarranit.The former Government Minister also suggested that the concerns raised by the PPP were valid and spoke to a culture that was ingrained in society. He said it was not unexpected of the PPP to bring this matter to the attention of GECOM and the courts.He believes that there would continue to be more electoral matters ahead of LGE and beyond, heading into 2020 when the General Election was constitutionally due. Dr Jeffrey said this would test the credibility and autonomy of GECOM to deliver free and fair elections.“It is definitely ingrained in our culture, but it wasn’t unexpected … I don’t think they (GECOM) were hands-on enough on that matter and I am not at all certain that this issue could be resolved amicably without the intervention of the courts,” he added.The PPP through one of its constituency candidates in Berbice had filed legal proceedings against GECOM and an individual to have the names fraudulently affixed to the backers’ lists for LGE in the Ancient County (Berbice) removed.Shafraz Beekham was named applicant, with the Chief Elections Officer (CEO)Political analyst, Dr Henry JeffreyKeith Lowenfield and Orlando Christopher Persaud as the respondents. The document outlines that the challenge is seeking to have the names of 49 other electors appearing on the list of backers in support of the Alliance For Change (AFC) constituency candidates removed.It noted that the submission was made to Persaud on September 21, 2018, in Whim Bloomfield, Berbice Local Authority Area (LAA), for the LGE 2018. The PPP is challenging on the grounds that the said decision is unlawful, illegal, and unreasonable and is in violation of the Local Authorities (Elections) Act.The document also cites Persaud’s alleged refusal to withdraw the applicant’s name and the names of 49 other electors. It said unless the names were withdrawn, the election in the LAA would be tainted with “illegality and fraud”. It also noted that Persaud’s refusal happened before the deadline on September 26, 2018.DisappearanceGECOM CEO Lowenfield, who mysteriously disappeared on the day of the deadline and could not be reached by any of the PPP-appointed GECOM Commissioners that day was still being questioned.Although the CEO claimed that his lawyer was his alibi for him being unavailable for hours prior to the deadline for nominators’ names to be removed from disputed lists, former House Speaker and columnist Ralph Ramkarran also questioned his disappearance.He wrote in his weekly column, Conversation Tree, “Did it have to be on this particular day that Mr Lowenfield had to attend his lawyer’s chambers to sign an affidavit, a process that takes no more than an hour, counting the travelling time from GECOM’s High Street Office to the Attorney General’s Chambers in Carmichael Street, a ten-minute drive away?”Ramkarran said disappearing acts of election officials or being out of touch at critical moments of the elections process have a particularly sordid history. “For the future, it is hoped that at important junctures the Chief Elections Officer will be available at all times, day and night, to his senior staff, Election Commissioners and the Chairman.”He argued that Returning Officers (ROs) should be similarly available to selected officials of contesting parties and be helpful rather than obstructive. Their duty, he reminded, is to solve problems, not to create them, and to exercise flexibility and discretion in removing obstacles to the smooth flow of the elections process, without violating any law.Further, the former Speaker also zeroed in on GECOM Chairman, Retired Justice James Patterson, who recently spoke about politicians retreating into ethno-political camps.“The Chairman cannot be oblivious of the electoral history of Guyana and who the immediate victims of that history have been. The Chairman also cannot be oblivious of the fact that as soon as the (People’s National Congress Reform) PNCR returned as the dominant component in the Government, painful controversies began surrounding his own appointment as Chairman,” he added.Ramkarran was also quick to point out that Patterson should, therefore, not be surprised that a “large dose of poison” has been poured over the electoral system, which has resulted in increased suspicion over the conduct of elections and the ethnic composition of the elections staff. He said complaining about ethnic imbalance in the critical area of elections management did not constitute retreating into ‘ethno-political camps’.last_img read more