About Us


Evan Schuman | Todd L. Michaud | Marvyn Tinitigan | Walt Conway | Frank Hayes

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Jack Fordi

Site Management

Marvyn Tinitigan

Profile of our readership

Evan Schuman

A journalist for more than 23 years, Evan Schuman’s background includes news reporting for radio networks (including CBS Radio News, National Public Radio, AP Radio and CNN Radio), consumer news organizations (including The New York Times, BusinessWeek, USA Today, Baltimore Sun, Philadelphia Inquirer and The Atlanta Journal-Constitution), wire services (Reuters, AP and UPI) and technology/business publishers. He served as an editorial manager for 11 years at CMP Media, where his posts included News Editor at InformationWeek, News Editor at TechWeb, Editor of The Internet Business Report and Editorial Director for the Custom Publishing division. In the online arena, Schuman has been actively involved in the launch of more than 40 corporate Web sites, holds two Patents Pending on streaming multimedia techniques and has tracked the Internet since 1988. He’s also a frequent guest lecturer on business issues at New York University’s masters degree program.

Before launching The Content Firm, Schuman served as VP/Editor in Chief of Triangle Publishing Services Co. Inc., a Massachusetts company that also creates business content. He has consulted with dozens of Fortune 1000 companies on marketing and public relations issues. For more information on Schuman, please visit his personal Web site at In the summer of 2006, launched his own retail technology blog called StorefrontBacktalk. Schuman also serves as the Executive Editor of FierceRetail and FierceMobileRetail.

Frank Hayes

Senior Editor
An award-winning technology and business journalist, Frank Hayes spent
12 years as a weekly columnist for Computerworld. Before that he was a reporter and editor for Computerworld, Informationweek and Byte, among others. Hayes also serves as the Executive Editor of FierceRetail and FierceMobileRetail.

Jack Fordi

VP, Sales and Business Development
Jack Fordi oversees all sales and business developments for StorefrontBacktalk.

Todd L. Michaud

Franchisee Columnist
Todd Michaud has spent the last 16 years trying to fight IT issues, with the last six years focused on franchisee IT issues—first running the retail technology department for Dunkin’ Brands (Dunkin’ Donuts and Baskin Robbins) and now running IT for Focus Brands (Cinnabon, Carvel, Schlotzsky’s and Moe’s Southwestern Grill)—and both sides need to step back and better understand the reality of the other. In his weekly column here at StorefrontBacktalk, he’s going to try and bridge that gap as we look at all of the IT hot buttons of today, from RFID, CRM and E-Commerce to mobile, payment, PCI, self-service, kiosks and supply chain.

Marvyn Tinitigan

Marvyn is StorefrontBacktalk’s resident technology/design expert. He is responsible for the web site’s programming maintenance as well as the beautiful look and feel that you see here at

Walt Conway

PCI Columnist
A 403 Labs QSA, PCI Columnist Walt Conway has worked in payments and technology for more than 30 years, 10 of them with Visa.


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Most Recent Comments

Why Did Gonzales Hackers Like European Cards So Much Better?

I am still unclear about the core point here-- why higher value of European cards. Supply and demand, yes, makes sense. But the fact that the cards were chip and pin (EMV) should make them less valuable because that demonstrably reduces the ability to use them fraudulently. Did the author mean that the chip and pin cards could be used in a country where EMV is not implemented--the US--and this mis-match make it easier to us them since the issuing banks may not have as robust anti-fraud controls as non-EMV banks because they assumed EMV would do the fraud prevention for them Read more...
Two possible reasons that I can think of and have seen in the past - 1) Cards issued by European banks when used online cross border don't usually support AVS checks. So, when a European card is used with a billing address that's in the US, an ecom merchant wouldn't necessarily know that the shipping zip code doesn't match the billing code. 2) Also, in offline chip countries the card determines whether or not a transaction is approved, not the issuer. In my experience, European issuers haven't developed the same checks on authorization requests as US issuers. So, these cards might be more valuable because they are more likely to get approved. Read more...
A smart card slot in terminals doesn't mean there is a reader or that the reader is activated. Then, activated reader or not, the U.S. processors don't have apps certified or ready to load into those terminals to accept and process smart card transactions just yet. Don't get your card(t) before the terminal (horse). Read more...
The marketplace does speak. More fraud capacity translates to higher value for the stolen data. Because nearly 100% of all US transactions are authorized online in real time, we have less fraud regardless of whether the card is Magstripe only or chip and PIn. Hence, $10 prices for US cards vs $25 for the European counterparts. Read more...
@David True. The European cards have both an EMV chip AND a mag stripe. Europeans may generally use the chip for their transactions, but the insecure stripe remains vulnerable to skimming, whether it be from a false front on an ATM or a dishonest waiter with a handheld skimmer. If their stripe is skimmed, the track data can still be cloned and used fraudulently in the United States. If European banks only detect fraud from 9-5 GMT, that might explain why American criminals prefer them over American bank issued cards, who have fraud detection in place 24x7. Read more...

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