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Visa intends to pave the way for merchant acceptance of EMV credit cards with help from a new data encryption service that launches early next year. According to company spokeswoman Ellen Richey, the payment platform provider intends to offer a point-to-point security solution that scrambles customer data at the terminal, reducing the likelihood of credit card fraud and identity theft.
Mortgage rates began moving lower last Thursday and since then have fallen every single day, crossing into new all-time lows in the process. Today simply continues that trend and makes for newer, slightly lower all-time lows. We began in neutral territory but market improvements throughout the day led several lenders to reprice for the better.
Americans are turning away from banks and turning to quasi-banking services. According to the Federal Deposit Insurance Corporation (FDIC), nearly 12 million Americans are managing their money without the help of a banking institution. This is up one-half of one percent from 2009 to 8.2% of all American households.
