Federal Reserve Bank of Atlanta. "Data Breaches and Risk Management in Emerging Payments : Transcript," Payments Spotlight (June 21, 2011). https://fraser.stlouisfed.org/title/7190/item/655995/content/pdf/frbatl_paymentsSpotlight_Data_Breaches_and_Risk_Management_in_Emerging_Payments, accessed on May 14, 2025.