Did Anyone Invite The Innovators?

The (almost) forgotten role of ISVs in EMV migration
Last October’s EMV® liability shift represented a major milestone for enhanced security among U.S. merchants and a major hurdle for Independent Software Vendors in the U.S. Although recent transaction data shows one third of all card-present transactions globally use EMV chip technology, U.S. chip payments still account for less than 1 percent of all EMV transactions¹.