Rippleshot Blog

Marci McCalmon

Vice President of Operations
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Recent Posts

The Pros and Cons of Instant Card Reissuance

Posted by Marci McCalmon on Apr 20, 2016 4:01:47 PM


“I want it all…

I want it all…

I want it all…

And I want it NOW!” –Queen

Instant card issuance is the banks’ and credit unions’ ability to create debit, credit, prepaid and ATM cards right at the branch location, providing a new card instantly to the customer that can be used immediately.  Instant card issuance might not have been what Queen’s guitarist Brian May had in mind when he wrote “I Want It All” for Queen, but I think it applies. Fiserv recently produced a report on “The Role of Instant Card Issuance in Customer Satisfaction and Use.” Let’s use Fiserv’s report and May’s lyrics to dig in deeper on the many advantages and one big disadvantage to instant card issuance.

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Topics: Fraud

Encryption vs Tokenization: What's the Difference?

Posted by Marci McCalmon on Feb 24, 2016 1:16:36 PM


For thousands of years, humans have created secret codes to protect important information from others. Military secrets, formulas to create goods like silk, and personal information are seen throughout history as being masked to communicate so unintended recipients could not read the message.  There are two main ways to communicate information in secret; tokenization and encryption. The terms tokenization and encryption are often interchanged, yet they actually have very specific definitions. Let’s dig in deeper to find out more about the differences between the two.

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Topics: Fraud

Three Data Breach New Year's Resolutions

Posted by Marci McCalmon on Jan 5, 2016 6:00:00 AM


As we start 2016 off, is security against data breaches on your company’s new year’s resolutions list? Over 750 data breaches were reported in 2015 and we will likely see an increase in quantity as well as impact in 2016. Experian recently released their annual Data Breach Industry Forecast and while breaches are expected to increase, who they are targeting and their methods are expected to change. Based on this report, we’ve created a helpful list of three things to add to your company’s new year’s resolutions for 2016.

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Topics: Industry News, Data Breach Statistics