Allen Friedman

Allen Friedman
Allen Friedman is Director of Payment Solutions at Ingenico Group, North America where he is responsible for Ingenico Group’s EMV Payment Solutions and the EMV implementation strategy in the United States. Prior to joining Ingenico Group, Allen worked for Vital Processing Services (now TSYS Acquiring Solutions) in Tempe, Arizona beginning in 1999 and during his fifteen year tenure held a variety of management positions in technical support, solutions implementation, and Product Management. Most recently as Associate Business Development Director, Allen was responsible for the core authorization and capture platforms, payment forms and connectivity solutions, and led the EMV implementation strategy for the merchant segment of TSYS. Allen has been a member and active participant in the EMV Migration Forum since its founding, and he continues to serve on several committees and working groups. Also, he is an active contributing member of the Smart Card Alliance Payments Council.
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Recent Posts

Mobile Wallet Adoption Among Students on the Rise, Are Businesses Listening?

It seems like we’re doing everything on our smartphones today—from reading the news and taking high-quality photos, to ordering and paying for food ahead of time. Businesses need to be ready to accommodate this ongoing transformation by adopting new payment acceptance technologies, such as mobile wallets, an additional capability of NFC contactless technology. Consumers are already asking for it—this holiday season, 30% of consumers plan to use smart payment methods while shopping in store: 24% by smartphone and 16% by wearable (e.g. Apple Watch). To add, younger generations are starting to use their smartphones for things like storing their university ID and paying for extracurricular activities through an app. By being prepared to accept NFC contactless payments and allowing customers to pay how they want to pay, businesses can be at the cutting edge of technology, especially as these students will come to expect it.  

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The State of EMV and Counterfeit Fraud in the U.S.

In 2015, the U.S. became the last developed country to move to EMV in an effort to combat the rampant credit/debit card counterfeit fraud. It has been three years since the EMV migration kicked in and a lot has changed since then. Recently, Visa released new data along with an infographic highlighting the progress of the EMV migration. Although we used Visa’s published infographic for this blog, we expect proportionally similar results were seen across all U.S. card brands. After reviewing the results, here where I feel we stand:

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2020: The Future of Contactless Payments in the U.S.

TechCrunch recently published an article citing a new Juniper research discussing the state of contactless transactions globally. According to the new forecast, in-store contactless payments will reach $2 trillion by the year 2020. In addition, the mobile contactless payment market will be dominated by Apple to the extent that one in every two contactless transactions, consumers will use Apple Pay to buy. That got me thinking if we can expect to see similar results in the U.S.

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Understanding the World of In-App Payments

We live in a technology-driven world and the need to be at the forefront of it is important for any retail business. Providing customers with the utmost convenience as they shop and improving their experience is critical to any merchant’s continuous success.

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Is the End of Credit Card Signatures Here?

Credit card signatures are going away. You may have seen many articles delivering this news, and might wonder if it matters to you as a merchant. Ultimately, the decision on whether or not to accept signatures is up to you, so it’s important to understand the benefits of each option. In this article, I provide some insight into how and why credit card signatures are being phased out. Let’s start with the basics.

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