Random Sunday morning #coffee and #payments question: how will #Square track customers when 16 digit PANs go away?pic.twitter.com/h0O7OYZlb1
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@BrianRoemmele @dbkahn EMV hurts consumers; fraud will shift to new account fraud w/ stolen PII ... 1/2
@BrianRoemmele @dbkahn ... where incumbents and legacy systems presume victimized consumers guilty until they prove their innocence 2/2
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