Aci Worldwide Podcast Series

EMEA has implemented EMV as well, and we're going to talk you through the benefits that will be seen in the US, and also set the scene for how this is going to work in the US as we, ACI, see it. Finally, the third person on the call is Bill Hanifin, who's the managing director of Hanifin Loyalty in the USA. We believe that loyalty will have an increasing role to play in the payments business, as both NFC cards and indeed mobile roll out. The plan is for us to talk to you about this, and then look for questions and answers at the end. Could I move to the next slide, please? Thank you.   The US is now the only G-20 country without EMV and has subsequently . . . for a long while, there's been a battle not to implement EMV in the US, mainly driven around the fact that the majority of card authorizations are done online. That now is the situation that's not sustainable and the schemes have moved to give the US an implementation, as well. Could I have the next slide, please?   This shows that Visa and MasterCard ha