Interested in the intersection of technology and retail.

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Five Trends to Watch in

2015

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FINISH

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NFC but limited to subset of phones; HCE

Uses CC or ACH; phone#, beacons, peer-to-peer.

Owned by Telcos; NFC via secure element

NFC, tokens

Owned by retailers; no CC; uses barcodes

2 Oracle Confidential

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Change How Consumers Shop?

Increase Employee Productivity?

Sell New Products?

How will IoT impact retailers?

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vs

Contextual Assisted Requested

5 Oracle Confidential

Geo-Fencing

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This isn’t just a retail industry

problem.

Oracle Confidential 6

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Card Present

Card Not Present

Total Fraud

EMV 17%

EMV 99%

EMV helps but isn’t the complete answer.

We need tokenization and/or E2E encryption.

We need a federal law for notification.

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This isn’t just a retail industry problem.

EMV helps but isn’t the complete answer.

We need tokenization and/or E2E encryption.

We need a federal law for notification.

It’s not just financial information at risk.

Hope for the best; plan for the worst.