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Have a Starbucks card in your wallet? Chances are it was produced at a facility in Southern Nevada.

Same goes for your hotel key cards.

And it may even be the case for your credit and debit cards.

In today’s digital world, retail customers have come to expect real-time customer service, easy-to-use websites, and a wide choice of payment methods. As a retail merchant, if you are not yet offering a branded gift card as an option for shoppers to make purchases, you may want to reconsider that stance right now.

As EMV migration and adoption accelerate throughout 2016, an increase in Card Not Present fraud is inevitable. EMV shifts caused considerable spikes in CNP fraud in Canada and Europe more than a decade ago when mobile shopping didn’t even exist, and the ramifications for the U.S. could be enormous.

You probably already know that millennials are the largest, most diverse generation of Americans, comprising a third of our nation’s population. But how are they consuming financial services today and what can you do to capitalize on this valuable segment?

It’s easy to make certain assumptions about what various demographics want, but it’s also easy to be wrong. A recent survey on what people want from their financial institutions offers deeper insight.

The PYMNTS team caught up with experts in the payments field to ask them their views on industry trends, predictions for the coming year and what their ideal payments system looks like.

Arroweye Solutions‘ President and CEO Render Dahiya spoke about the three big thing in payments and what we can expect to see in the future.

Mitchell will serve as the primary management contact and client liaison, and will manage client development and execution of growth plans.

As the calendar flips to November and visions of Black Friday dance in their heads, holiday shoppers using new, more secure chip credit and debit cards will be learning a new checkout procedure.

While the added security might be welcome, new cards could mean more frustration and slower checkout lines during the bustle of holiday shopping.

The EMV liability shift is fast approaching, leaving card issuers and customers alike watching closely to see how the transition plays out and what’s next. The rumor mill has steadily created some misunderstandings about the EMV liability shift, and we’d like to take the opportunity to debunk the four we’re hearing most often.

Arroweye Solutions, the only digital On-Demand payment technology firm, has been selected to provide EMV prepaid cards for The Card Collaborative International (TCCI). The flexibility of Arroweye’s Digital On-Demand model allows for better responsiveness to customer needs, and ensures that TCCI can better serve its clients, and slash lead times by putting cards in customers’ hands in days, not weeks.