Are data breaches caused by flawed security or outdated business processes? If we want to truly shift the momentum in the cybersecurity fight, as an industry we need to drastically change how we conduct business and think about securing business processes first. Getting to the crux of this global problem will require a top-down audit of how a specific business operates. The payment industry should not be required to carry plastic cards holding exploitable account numbers to pay for goods and services at the point of sale. This technology has outlived its practicality in a modern, hyper-connected world.”]