1.What are the benefits and risks to consumers of using paperless, electronic systems to pay for products and services both online and in store? Do the benefits to consumers justify the risks, or not?

2.Do you think technology will be able to stay ahead of sophisticated cybercriminal, or not? Why do you think so?

3.Who do you think should be responsible for the costs of switching to the more secure EMV card? Retailers? Banks? Consumers? How would different stakeholders answer this question?

4.Why did it take so long for American companies to better protect their customers’ personal information by turning to the more secure technology that existed and was used in Europe and Asia for many years? Should the government have stepped in a mandated this technology?

5.If you were managing a retail store of chain, what steps would you take to protect your customers from others accessing their confidential information? If customer information theft had occurred, what steps would you take to win back your customers’ trust and loyalty?