In the near term, we believe PIN should be enabled on credit cards, just like most of the rest of the world, for merchants who want to utilize PIN. As payment security and the threats to it become more complex, new technologies will continue to emerge to improve security. These will include mobile and wearable technologies, biometrics (i.e. fingerprints, facial recognition, iris scanning, and vein mapping), geolocation, IP verification, blockchain, ultrasonic sound waves and others. As these innovations evolve over time, the industry must be willing and able to adapt to meet consumers’ demands.