SHARE THE BLAME!!!
The Banks have there fair share of issues when it come to data security, but to look at all the recent breaches and blame the banks alone is a little naive. The data is first stored at a retailers database, if the retailer has no encryption in place to secure the data they have collected they should be held accountable. If the retailers do what they have been mandated to do and are PCI compliant then the blame can be passed on. I believe that where ever the data becomes un-encrypted and is breached is where the fines begin.
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