William Friend

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  • The Durbin Amendment: A Case Study in Regulatory Impact and Unintended Consequences

    The Durbin Amendment: A Case Study in Regulatory Impact and Unintended Consequences

    Few regulations have had such a wide-ranging and often misunderstood impact on the financial and retail sectors as the Durbin Amendment. This report provides a practical analysis of…

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    William Friend

    October 4, 2025

    4 min read

  • Navigating the Transition: A Definitive Analysis of PCI PTS POI v5 and the Strategic Imperative of v6

    Navigating the Transition: A Definitive Analysis of PCI PTS POI v5 and the Strategic Imperative of v6

    Introduction to the PCI PTS POI Security Standard In the intricate ecosystem of payment security, the physical point of interaction—where a customer presents their payment card—represents a critical…

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    William Friend

    September 12, 2025

    4 min read

  • Navigating the PCI PTS POI V5 deadline

    Navigating the PCI PTS POI V5 deadline

    Navigating the PCI PTS POI Security Transition An essential guide for understanding the shift from version 5 to version 6 of the Payment Card Industry’s Point of Interaction…

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    William Friend

    September 12, 2025

    4 min read

  • Fiserv’s Strategic Acquisition of Cardfree

    Fiserv’s Strategic Acquisition of Cardfree

    The Player: Who is Cardfree? Cardfree is not just another payments app. It’s a comprehensive digital commerce engine built by the minds behind the original Starbucks app, designed…

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    William Friend

    September 6, 2025

    4 min read

  • Anatomy of a Cyber-Physical Heist

    Anatomy of a Cyber-Physical Heist

    UNC2891 Cyber-Physical Attack: An Interactive Analysis Attack Analysis Overview Attack Flow Threat Actor Defense Anatomy of a Cyber-Physical Heist An interactive deep dive into the sophisticated, multi-stage attack…

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    William Friend

    August 3, 2025

    4 min read

  • ATM Security Framework

    ATM Security Framework

    The modern ATM is not just a cash dispenser; it is a complex, high-risk endpoint running a full-fledged OS like Windows. This reframes the ATM as a specialized…

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    William Friend

    July 1, 2025

    4 min read

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