Latest opinions that Cyril Lalo has shared on Finextra

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Cyril Lalo

CEO

ellipse Inc.

Member since

16 Dec 2020

Location

Culver City

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Cyril's opinions

The rise of the Card Security Code

From remote transaction outlier to most vital card data Over the past 20 years, Card Security Codes (also known as CVC2, CVV2) usage has greatly expanded from confirming genuine cardholders to securing eCommerce transactions, eWallet enrollments, and profile management, to name just a few. The Card Security Code has become the initial verificatio...

10 September 2021 /payments /regulation Dynamic Card Security Code, CNP & eCommerce Forum

Now we know: CVVs & CVCs ARE COMPROMISED AT THE CARD LEVEL!

Although 2021 is just over three months old, we are getting data about payment card fraud in 2020 and it suggests some interesting trends. For example, the number of credit cards for sale on the dark web increased to 45 million in the second half of last year. Given the increase in eCommerce during the pandemic, one would intuitively expect gre

06 April 2021 /payments /crime Dynamic Card Security Code, CNP & eCommerce Forum

Maximize PSD2’s SCA Exemptions

Risk of over €100 billion in lost sales (1) Surge of CNP fraud in other regions of the world without SCA Focus on qualifying transactions within exemption categories Since 2015 Merchants and payment card Issuers have been grappling with the impact of proposed new regulations from the European Banking Authority (“EBA”). The latest release of regu

22 December 2020 /payments /regulation Dynamic Card Security Code, CNP & eCommerce Forum

Have Neobanks lost their DNA?

One of the more interesting developments in the consumer retail banking sector in recent years has been the emergence of the “Fintech” banks, also known as Neobanks (“Neobanks”). These banks operate virtually, avoiding the costs of a brick and mortar branch network. They appeal to a younger demographic by offering a transparent, seamless banking

16 December 2020 /security /payments Dynamic Card Security Code, CNP & eCommerce Forum