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Published on Thursday, 20 March 2014 Published in Blog

emv card 300wIt’s commonly known that tens of millions of large merchant customers have been left victim to credit card information theft in recent years using the current magnetic strip-only payment cards. EMV technology, made safer with a computer chip [and possibly a PIN requirement], is looking attractive to brick and mortar retailers. Good thing! “Smart Cards” will be a required payment vehicle and then “the” required payment vehicle in upcoming years.


EMV Updates for Spring 2014


Payment Industry players continue to advance EMV chip technology protocols in view of the October 2015 line in the sand, when merchants should be able to accept a Smart Card form of payment.


What is also clear at this juncture is that [chipless] magnetic stripe cards will be less desirable to merchants given that liability for fraudulent transactions will likely fall on the merchant if that business has not implemented a Smart Card payment system. If, on the other hand, the bank has not issued a chip embedded card to the purchasing consumer, the bank will be liable for fraudulent charges. This suggested protocol is a pressure-fortified strategy to coax all parties involved in payments to implement the systems in concert.


Embrace The Boy Scout Motto: Be Prepared.


Though major chain retailers have begun to make the necessary POS changes, smaller businesses are currently not rushing to implement the technology. They are yet hindered by unknowns, including the breadth and speed of the adoption - and its considerable costs: "It would [will] cost billions of dollars to upgrade every point-of-sale device and ATM machine, and to issue new credit and debit cards.", according to the Boston Globe's Michael B. Farrell.


However, merchants have a certain and immediate role in the adoption of the payment technology: research and planning. There are currently a multitude of online resources designed for merchants to gain knowledge about the technology and how it impacts them. Granted, some of the "what, when and how's" of the impending conversions are still being settled, but insights into the ongoing progress of the new payment medium at large are also available online, so you needn't be blind sighted.


You May Find These Links Useful

EMV EnablementBenefits for Business From First Data

October 2015: The End of the Swipe-and-Sign Credit Card from The Wall Street Journal

Published on Wednesday, 05 March 2014 Published in Blog

TRI’s Manager of Operations, Wicker Morenus, has been enjoying cooking for the guests and staff of the Ronald McDonald House in Burlington, VT for his TRI volunteer week. Wicker says, “Everyone can use a good meal, and this is a great way to help out”. "It is a good policy offered by TRI to allow employees paid time to do good works for the community”. The Ronald McDonald House matches volunteers skills and interests with their varied needs, so they make the most of volunteers’ talents and experience. Volunteers may help monitor and staff the House and Family Room; prepare meals; assist in fundraising and special events; or run needed errands. In Wicker's case, he was needed in the kitchen - and no reports of any complaints about his cooking have reached the ears of TRI staff!

You've likely heard the name, the Ronald McDonald House, but are you aware of the services they provide? Ronald McDonald House Charities of Burlington, Vermont is a "home away from home" for families with seriously ill children seeking treatment at Vermont Children's Hospital at Fletcher Allen Health Care. Their aim is to be a refuge "for families experiencing the stress and anguish of their loved one's illness". "Whether for a short stay, or for weeks at a time, we provide families with the comforts of home as well as the support of our dedicated staff and volunteers." The Vermont Chapter's history is steeped in volunteering and donations from many individuals and organizations in their community, including plumbing and electricity support, website work, food donations; anything that would outfit a clean, safe and welcoming "home".


Ronald MacDonald House

If you are inspired to lend a hand, check out a Ronald MacDonald House in your area. To discover one local to you please visit and click on "Chapter Search". Read more about the VT House link in their blog.

David-Frick-in-Haiti-photo-1David Frick, TRI's President, enjoyed his annual trek to Haiti to help with building construction in a program that functions very similarly to Habitat for Humanity. The Fuller Center for Housing partners with Grace International (Haiti) for local Haitian support of the Lambi Village land use projects. David can't rave enough about how uplifting this volunteer experience is for him and his companions, consisting of a group from the Main Street Congregational Church in Amesbury, MA and some friends.

Local Haitian contractors normally perform the professional level construction work, including masonry and framing, while volunteers like David gladly assume the tasks that require minimal or no training. For example, David refers to the "Bucket Brigade" with a grin. Participants carry buckets of cement down through a line of volunteers to fill the house's foundation form (fortified with rebar). Though dusty and tiring, David's account of the trip resounds with enthusiasm. It's an exhilarating experience to witness the homes being built through this team effort - and Haitian hospitality! The houses completed with this program now number in the dozens.