Abstract
The number of people using credit or debit cards for payments has grown significantly in recent years, with organisations such as the UK's APACS revealing that in the UK alone there are now 142.8 million payment cards in issue (69.5 million credit cards, 4.9 million charge cards and 68.3 million debit cards). Its figures also reveal that a staggering 85% of UK adults now hold a debit card. Globally, debit and credit cards are used for a wide variety of payments with Internet card payments increasingly significantly in recent years. However, with this growth in Internet-based transactions has come an increase in stories related to Card Not Present (CNP) fraud via Internet channels. Vanesa Gil Laredo, consultancy manager and qualified security assessor at S21sec tells CTT that as a result, cardholder data security represents the main issue to be considered by the payment card industry today.
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