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structure, Hall stated. As the industry changes, so does nexo standards into its Arkos software platform. Amadis
the user experience: people become accustomed to instant deployed the open source, ISO20022-based framework in
commerce, powered by real-time reporting, real-time data Europe and recently launched in North America. "We came
and real-time peer-to-peer payments, he added. from this industry and saw the need for normalization
and standardization," Haydont said. "Our mission is to
Find common ground restructure the payments industry."
Hall further noted that security is critical in the digital-
first world. When you're dealing with billions of dollars, Haydont noted that Arkos software works independently
you have to make transactions secure, he said, adding that of processors and device platforms, unlike integrated
Level 12 is working on projects such as secure remote com- software that is tightly linked to a device. Arkos software
merce, to facilitate faster, more secure digital transactions. uses nexo standards, which enable any form factor
to participate in payment acceptance. This combined
AMP's Downton agreed that security is a big issue, as interoperable interface and protocol breeds innovation,
is certifying new products, which can be a long and te- accelerates certifications, reduces costs and gets products
dious process for manufacturers. "The ability to use com- to market faster across the globe, he added.
mon kernels and platforms helps us get devices to market
faster," he said. "That's clearly our focus right now, being As commerce steadily migrates from point of sale to points
nimble in getting things to market as technology keeps of interaction, industry game-changers will continue
changing." The need for interoperability is reflected by ef- to challenge traditional assumptions about hardware,
forts of EMVCo, the PCI Security Standards Council and software and acquiring itself. And merchants, consumers
nexo. These global bodies continuously evolve and update and service providers will continue to find new ways to
their unified approaches to payment security, transaction transact in the digital world, where a spirit of collaboration
processing and software design. is helping us feel more at home.
Dale S. Laszig, senior staff writer at The Green Sheet and managing
Bring your own device
director at DSL Direct LLC, is a payments industry journalist and content
Emmanuel Haydont is co-founder and CEO at Amadis, a development specialist. She can be reached at dale@dsldirectllc.com
payment software and consulting company that integrated and on Twitter at @DSLdirect.
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