Is the PCI Data Security Standard Enough?

Contributed by Christina M. Freeman

This paper will present the researched facts on Payment Card Industry Data Security Standard or PCI DSS as developed by the PCI Council. It will provide the history of the standard, present a foundation of the standards requirements while providing an analysis of the challenges organizations must face to be compliant. It will explore why organization should comply and how compliance has helped protect customer payment card data, contrasted with the additional rules merchants must follow. Discussion surrounding industry best practice for ensuring compliance. Finally, in light of the recent security data breaches, is the PCI standard enough to prevent data breaches and keep information secure? How have the requirements laid out in the standard helped protect the customer?

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