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This week payments professionals around the country are descending upon Las Vegas to get the latest trends in the industry. The rollout of EMV chip cards continues to be a hot topic with the likes of Javelin Strategy Research, Vesta Corporation and EMVCo delivering sessions at Money20/20 on the state of the U.S. EMV rollout.

Have a Starbucks card in your wallet? Chances are it was produced at a facility in Southern Nevada.

Same goes for your hotel key cards.

And it may even be the case for your credit and debit cards.

Retailers understand why the holiday season seems to start a little earlier each year. And even though the consumer in all of us might cringe as retailers adorn Christmas trees right next to the Halloween costumes and Thanksgiving tableware, we know that a longer holiday season means more sales and a more profitable year. But are you really doing all you can with those extra weeks of holiday sales? The smartest and most strategically positioned retailers are leveraging their gift card strategies to reap the biggest return on this year’s holiday season.

In 2010, the federal government passed the Durbin amendment (named for U.S. Senator Dick Durbin, D-Ill.), which essentially caps debit interchange fees. It not only limits the profitability of debit card programs but also causes many issuers to cut back or eliminate rewards programs in their debit portfolios.

In today’s digital world, retail customers have come to expect real-time customer service, easy-to-use websites, and a wide choice of payment methods. As a retail merchant, if you are not yet offering a branded gift card as an option for shoppers to make purchases, you may want to reconsider that stance right now.

The old way of doing debit and credit cards no longer applies for credit unions, given the current innovative, competitive and fluctuating environment they’re facing. Is your CU leveraging the latest technology to capitalize on today’s market factors? Learn how to do so to connect with your customers on a one-to-one level.

With EMV in place for a couple of months, what do banks and other card issuers need to know?

They need to understand that flexibility will be absolutely critical to their success.

As EMV migration and adoption accelerate throughout 2016, an increase in Card Not Present fraud is inevitable. EMV shifts caused considerable spikes in CNP fraud in Canada and Europe more than a decade ago when mobile shopping didn’t even exist, and the ramifications for the U.S. could be enormous.

The shift to EMV is adding complexity and cost for card issuers and it’s only going to tackle part of the problem around payments fraud. That’s according to Render Dahiya, CEO of Arroweye Solutions at least.

You probably already know that millennials are the largest, most diverse generation of Americans, comprising a third of our nation’s population. But how are they consuming financial services today and what can you do to capitalize on this valuable segment?