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Ane ar l yChr i s t maspr e s e ntf orhous ebuye r si nCambr i dge s hi r e Chr i s t ma si sc omi nga ndhous e bui l de rBe l l wa yi sj i ngl i ngt hebe l l sons ome f a nt a s t i cde a l st ha ta i mt ogi veSout hEa s tTi me sr e a de r st hebe s te a r l y Chr i s t ma spr e s e nte ve r . For ge ts oc ks ,s c a r ve sa nds me l l i e s ;t heBe l l wa ye l ve sha vebe e nwhi t t l i ng a wa ys oyouc a ngr a byour s e l far e a lba r ga i n–ane whohohomef or Chr i s t ma s ! Be nSmi t h,Re gi ona lDi r e c t orofBe l l wa yEa s t e r nCount i e s ,s a i d:“ We ’ r e ba s i c a l l yge t t i ngi nt ot hes pi r i tofChr i s t ma sbyof f e r i nghuges a vi ngsof fhome s a tourt woCa mbr i dge s hi r ede ve l opme nt–TheFur r owsa tWa r boysa ndBowe r Pl a c ea tCot t e nha m. “ I fyous i gnont hedot t e dl i nei nDe c e mbe r ,we ’ l lc ompl e t eyourhous ei n f i ve s t a rs t yl e ,a ndyou’ l lbemovi ngi nt oas t unni ngne whomei nt heNe w Ye a r . “ For ge tf i t t i ngt hos el i t t l epr e s e nt sunde rt het r e e .Buyyour s e l fabe a ut i f ul ne wBe l l wa yhome ,a ndt het r e ewi l lf i tunde rt hepr e s e nt ! ”
So,what ’ sonof f e r ? AtTheFur r ows ,i nt hea t t r a c t i vevi l l a geofWa r boys-a wa r de d ‘ Ca mbr i dge s hi r evi l l a geoft heye a r ’t hr e et i me si nr e c e ntye a r s–t he r e ’ saf i ne c ol l e c t i onoft hr e e ,f oura ndf i ve be dr oomhome s . Asma nyr e a de r swi l lknow,t hevi l l a gebl e ndsaf a s c i na t i nghi s t or ywi t h gr e a tl oc a la me ni t i e sa ndapi c t ur e s quec ount r ys i des e t t i ng. Be l l wa y’ sChr i s t ma sc r a c ke rde a l sme a nshous e hunt e r sc a ns e c ur eade a l wor t hupt o£25, 000a tTheFur r owsa nd£27, 000a tBowe rPl a c e . Me a nwhi l e ,a c r os sa tBowe rPl a c e ,i nt hes ought a f t e rvi l l a geofCot t e nha m, t he r e ’ saha nds omec ol l e c t i onoft hr e e ,f oura ndf i ve be dr oomhome sl e s st ha n e i ghtmi l e sf r omCa mbr i dge . Thi si sa ne xc l us i vec ol l e c t i onofj us t50home s ,s ur r ounde dbyope n c ount r ys i dea ndye twi t hi nami l eofahi ghSt r e e twi t hawi der a ngeofus e f ul a me ni t i e s . TheFur r ows ,a tWa r boys ,nor t he a s tofHunt i ngdon,c ur r e nt l yha ss e ve n di f f e r e nthous et ype sons a l e ,f r omt het hr e e be dr oomde t a c he dWe ndove rt o t hef i ve be dr oomde t a c he dOr we l l . I fyouvi s i tt hes i t e ,youwi l la l s obea mongt hef i r s tpe opl et os e et he f our be dr oomde t a c he dRa dc l i f f es howhome ,whi c hha sj us tl a unc he d. TheRa dc l i f f ei sa na t t r a c t i vef a mi l yhomewi t ha ni mpr e s s i veki t c he n,di ni ng a ndf a mi l ya r e ar i ghta c r os st heba c koft hehous e ,al a r ges e pa r a t el i vi ngr oom, as t udyr ooma ndaut i l i t yr oom/c l oa kr oomont hegr oundf l oor . Ups t a i r s ,t hema s t e rbe dr oomha sa ne ns ui t ea ndt he r ea r et hr e ef ur t he r be dr oomsa ndaf a mi l yba t hr oom. Wi t hi nj us tha l fami l eofTheFur r ows ,r e s i de nt swi l lf i ndas ma l l s upe r ma r ke t ,ac onve ni e nc es t or e ,at r a di t i ona ls oc i a lc l ub,al i br a r ya nda vi l l a geba ke r y ,a swe l la st wof a mi l yf r i e ndl ypubss e r vi nghe a r t yhome c ooke d me a l s . The r e ’ sa l s oapopul a rpr i ma r ys c hool–Wa r boysCommuni t yPr i ma r y Sc hool–r a t e d‘ good’byOf s t e d. Thevi l l a ge ’ she r i t a gec a nbes e e ni nl a ndma r kss uc ha st heChur c hofSt . Ma r yMa gda l e ne ,pa r t sofwhi c hda t eba c kmor et ha n800ye a r sa ndt he r oc ke t l i keCl oc kTowe r ,whi c hc omme mor a t e st heJ ubi l e eofQue e nVi c t or i a i n1887. Wa r boys ’vi l l a gepond,knownl oc a l l ya s‘ TheWe i r ’ ,i sj us tas t one ’ st hr ow f r omTheFur r owsa nda c t sa sapopul a rs i t ef orwi l dl i f es pot t i ng. Sur r ounde dbygr e e ns pa c e ,t hevi l l a geof f e r sr e s i de nt spl e nt yofoppor t uni t y t oe nj oyt heout door s ,a swe l la sagoodr a ngeoff a mi l yf r i e ndl ya t t r a c t i ons . Commut e r swi l lbe ne f i tf r ome a s ya c c e s st ot heA1,M1 1a ndA141,whi l e Hunt i ngdonSt a t i oni sa15mi nut edr i vea wa y .
AtBowe rPl a c et he r ea r et hr e e di f f e r e nthous es t yl e sc ur r e nt l y a va i l a bl ea ndt wos howhome st os e e ; t hef our be dr oomPot t ona ndt hef i ve be dr oomOa kl e y . ThePot t onha saki t c he n,br e a kf a s t a ndf a mi l yr ooms pa nni ngt hef ul l l e ngt hoft hehous e ,al a r gel i vi ng r ooma ndas e pa r a t edi ni ngr oom. The r e ’ sa l s oac l oa kr oom/ut i l i t y r oomdowns t a i r s . Ups t a i r s ,t he r ea r ef ourdoubl ebe dr ooms ,t wowi t he ns ui t e sa ndaf a mi l y ba t hr oom. TheOa kl e yha sa nLs ha pe d ki t c he n,br e a kf a s ta ndf a mi l yr oom pl usaut i l i t yr oom. The r e ’ sal a r ge l i vi ngr oom,as e pa r a t edi ni ngr oom a ndadowns t a i r sc l oa kr oom. Fouroft hef i vebe dr oomsa r e doubl e sa ndt woha vee ns ui t e f a c i l i t i e s . The r e ’ sa l s oamode r n f a mi l yba t hr oom. Ne a r byCot t e nha mhi ghs t r e e t boa s t se xc e l l e ntl oc a la me ni t i e s ,i nc l udi ngar a ngeofc onve ni e nc es t or e sa nd e ve r yda ys e r vi c e s . Re s i de nt swi l lf i ndas ma l ls upe r ma r ke t ,ac or ne rs hop,a ni nde pe nde nt books t or e ,agr e e ngr oc e ra ndavi l l a gec ommuni t yc e nt r e ,a swe l la saba ke r y whi c hdoubl e sa sac a f é . Aha ndf ulofe a t e r i e sne a r byi nc l udea na wa r dwi nni ngAs i a nr e s t a ur a ntwi t hi n wa l ki ngdi s t a nc e ,a nds omet r a di t i ona lpubs . The r ea r epopul a rs c hool si nt hea r e at oo,i nc l udi ngCot t e nha mPr i ma r ySc hool , whi c hi sr a t e d‘ good’byOf s t e da ndi sonl ya r ounda10mi nut ewa l kf r omBowe r Pl a c e . TheCot t e nha mVi l l a geCol l e gei sa l s o wi t hi nas hor twa l koft hede ve l opme nt , a nds e r ve spupi l sa ge d1 1t o19.I t sOf s t e d r a t i ngi sa l s o‘ good’ . Bowe rPl a c ei sne a rt oar a ngeofl e i s ur ea t t r a c t i onswhi c hof f e rpl e nt yof oppor t uni t yt oe nj oyt heout door s ,i nc l udi ng t he95a c r eMi l t onCount r yPa r k. Andofc our s e ,Ca mbr i dge–t he de s t i na t i onofs c hol a r sa ndt our i s t sf r oma l love rt hewor l d–i sl e s st ha ne i ght mi l e sf r omBowe rPl a c e . Thec i t ya ndi t smyr i a da t t r a c t i ons ,f r omhi s t or ya nda r c hi t e c t ur et of i nef ood a nds hoppi ng,wi l lbeake ydr a wf orBowe rPl a c er e s i de nt s .
So , f o r g e tt heus ua ls t o c ki ngf i l l e r st hi sChr i s t ma sa ndc ho o s e apr e s e nts obi gt ha tSa nt ac o ul dl a ndhi ss l e i g ho nt o po fi t– y o urne who me . Be g i nChr i s t ma ss ho ppi ngf o rt heul t i ma t ef e s t i v eg i f tt o da y– c a l li nt ot hes a l e so f f i c ea tTheFur r o wso rBo we rPl a c ea nd ma ket hi saf e s t i v es e a s o nt or e me mbe r . Thes a l e so f f i c ea tTheFur r o wsi sl o c a t e do nFa r r i e r ’ sWa y , Wa r bo y s , PE2 82 LW. Fo rmo r ede t a i l sc a l l0 1 4 8 74 6 2 3 7 2 . Thes a l e so f f i c ea tBo we rPl a c ei sl o c a t e do nOa ki ng t o nRo a d, Co t t e nha m, CB2 48 TW. Fo rmo r ede t a i l sc a l l0 1 9 5 45 7 4 2 1 6 . Bo t hde v e l o pme nt sa r eo pe nf r o m1 0 a mt o5 pm o nFr i da yt o Mo nda y , a ndf r o m no o nt o7 pm o nThur s da y . Fo rmo r e i nf o r ma t i o nv i s i tbe l l wa y . c o . uk.
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Sant a’ sCal l i ng–FREE per sonal i sedcal l sandvi deosdi r ectf r om t he Nor t hPol e Nowi nt hei r10t hyear ,Por t abl eNor t hPol e( PNP) ,i sgear i ng upf oranot hersuccessf ulChr i st masseason.Bestknownf or t hei rper sonal i sedSant avi deos,PNPboast sani mpr essi ve r angeoff r eeandPr emi um vi deocont entandSant acal l s. Wi t hover220mi l l i onper sonal i sedvi deosvi ewedbot hon t hei rwebsi t eandont hef r eeAppl eandAndr oi dmobi l eapp, i t ’ seasyt ocr eat easpeci almessagef oryourl ovedones. Thevi deoshavear i chandaut hent i cci nemat i cqual i t yt hat per f ect l ycapt ur est hemagi cofChr i st maswhi l eof f er i nga r angeofper sonal i sat i onst hataddani ndescr i babl yspeci al f eel i ngt oeachandever ymi ni movi e.Thesecanr angef r om Sant ament i oni ngachi l dbyt hei rname,knowi ngt hei rage,t o openi ngt hel i t t l eone' sBi gBook,wher eSant akeepsdet ai l s onever ychi l di nt hewhol ewor l d. Ther ear esomanyf r eeandpr emi um vi deosandper sonal i sedcal l st ochoosef r om aswel lasanewspeci almul t i devi cevi deoandcal lf orChr i st masEve.I fyouchooset opur chaset heMagi cPassf orj ustGBP12. 99,chi l dr encanj oi n Sant avi avi deol i nkasher evi ewshi sf l i ghtpl anf ort hebi g ni ghti naper sonal i sedvi deomessagef oranexci t edchi l dor chi l dr en.Whi l et heywat chSant a,chi l dr enwi l lbeawest r uck ashepi cksupt hephonet ocal lt hem andt hephoner i ngs di spl ayi nghi snamewi t haper sonal i sedcal l–youcanr ecor d t hei rr eact i onont hecoolReact i onCam t owat chagai nand agai n!
ThePNPmobi l eappi st he easi estwayt oenj oyt he compl et eper sonal i sed cont ent .Thewi del y successf ulReact i on Recor der ,al l owspar ent s t ocapt ur et hei rchi l d’ s r eact i onwhenSant a speakst ot hem vi at hei r per sonalvi deomessage. ThePNPappwi l lcr eat ea f i nalvi deousi ngpi ct ur et opi ct ur et echnol ogy , capt ur i ngt hel i t t l eone’ s r eact i ont ot hevi deo,whi chcanbedownl oadedasal ast i ng keepsake. Al t houghPor t abl eNor t hPol e' spr oduct sar el ar gel yai medat chi l dr endur i ngChr i st mast i me,t her ear eal sof r eeandPr emi um vi deosf r om Sant af orgr ownups. Rel easef r om Ber t el l iCommuni cat i ons
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Event s
‘ Al exa,sendf l ower s’ :Or derabouqueti nt i mef or Chr i st masusi ngonl yyourvoi ce Gl obalf l owerdel i ver ycompany ,I nt er f l or a,hasbecomet hef i r stUKr et ai l br andt ol aunchacompl et eendt oend‘ Vcommer ce’ ser vi ce,wi t hj ustone si mpl evoi cebasedt r ansact i onmaki ngi tpossi bl et osendf l ower svi aAl exa andcheckoutwi t hAmazonPay ,al lwi t houtl i f t i ngaf i nger . Ar r i vi ngj usti nt i mef orChr i st mas,shopper scanst at et hei rpr ef er enceson col our sandt ypesoff l ower s,andf ort hosei nneedofi nspi r at i on,I nt er f l or a’ s voi ceassi st antwi l lpl ay‘ per sonalshopper ’ andr ecommendf l ower sbasedon t heoccasi onorseason. Ther ei sal sot heopt i ont oi ncl udeaper sonalmessage,whi chwi l lbe handdel i ver edwi t ht hechosenbouquetbyoneofI nt er f l or a’ snet wor kof l ocalar t i sanf l or i st sacr osst heUKandI r el and. Whi l eot hervoi cecommer ceser vi cesal l owf or‘ addi ngt obasket ’ wi t hvoi ce command,I nt er f l or ai st hef i r stbr andi nt heUKr et ai landgi f t i ngsect ort o enabl eshopper st ocompl et et heent i r eor der i ngandpaymentj our ney t hr oughAmazonAl exaal one-al lwi t houtanyassi st ancer equi r edf r om suppor t i ngappsorwebsi t es. Sayi ng“ Al exa,openI nt er f l or a”l aunchest heski l l ,whi chi savai l abl eonal l Al exaenabl eddevi ces. Tocel ebr at et henewst hi sweek,Londoner swer ei nvi t edt ogett hei rvoi ces hear dear l yasabr i ght ert akeont het r adi t i onalpol l i ngst at i onembar kedona t ouroft heci t y-i nt hef or m ofa‘ Pol l enSt at i on’ . Sur pr i sedpasser sbyl ookedonasar owofpol l i ngboot hs,bl oomi ngwi t hcol our f ulf l ower s,pul l edupi nf r ontoft heHousesofPar l i amentaspar tofi t s t ouroft hecapi t al .
I nsi deeachoft he‘ Pol l enSt at i on’ boot hs,Londoner sf oundanAmazon Echodevi ceandwer ei nvi t edt osend af r eebouquetoff l ower st oal oved oneoft hei rchoi ce,cour t esyof I nt er f l or a. I nt er f l or a’ sCommer ci alDi r ect or , LynDavi es,comment ed:“ Wi t ht he voi cecommer cemar ketpr edi ct edt o skyr ocketi nt henextt hr eeyear s, we’ r et hr i l l edt obeof f er i ngaUKr et ai li ndust r yf i r standhopeourcompl et e endt oendexper i encewi t hAmazonAl examakesi teveneasi erf orpeopl et o connectwi t ht hoset heyl ove,nearandf ar . “ Thel eadupt oChr i st masi soneofourbusi estt i mesand,wi t hsomucht oor gani seandr emember ,wehopet heconveni enceofusi ngAl exat obeabl et o sur pr i sesomeonewi t hf l ower sasaf est i vegi f twi l lgi veshopper sahel pi ng hand,wi t hopt i onsf orsameday ,nextdayoranyf ut ur edaydel i ver yavai l abl e onourski l l . ” I nt er f l or a’ sAmazonAl exaSki l ll aunchesonThur sday12t hDecember .Sayi ng “ Al exa,openI nt er f l or a”l aunchest heski l l ,wi t hI nt er f l or a’ svoi ceassi st antgui di ngcust omer st hr ought hepur chasepr ocess.Fi ndouthowt oenabl et heski l l andmor eat ht t ps: / / www. i nt er f l or a. co. uk/ cont ent / al exa/ Rel easef r om Smoki ngGunPR
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HomeI mpr ovement s
Hal fofbusi nessesnotr eadyf orcont r act ort ax upheaval Ar oundhal fofbusi nessesar est i l lunpr epar edf orchangest oof f payr ol lwor ki ngi nt hepr i vat esect or ,whi char eduet ocomei nt oef f ecti nApr i l2020.Thati s accor di ngt onewr esear chf r om r ecr ui t mentt r adebody ,t heAssoci at i onofPr of essi onalSt af f i ngCompani es( APSCo) . Thenewr ul esmeant hatchangest oI R35l egi sl at i on,whi chwer ei nt r oducedi n t hepubl i csect ori nApr i l2017,wi l lbeext endedt omedi um andl ar gepr i vat e sect orcompani es.Fr om nextyear ,busi nessesengagi ngi ndependentwor ker s wi l lbecomer esponsi bl ef orset t i ngt het axst at usoft hesei ndi vi dual s.Aspar t oft hi sr ef or m,t het axl i abi l i t ywi l lal sot r ansf erf r om t hecont r act ort ot he f eepayi ngpar t yi nt hesuppl ychai n,whi chi st ypi cal l yt her ecr ui t erort hecompanyt hatdi r ect l yengagest hei ndi vi dual . Asur veyoft het r adeassoci at i on’ smember shi pr eveal edt hatal t houghmor e t hant hr eequar t er s( 79%)oft hepr of essi onalr ecr ui t mentf i r mspol l edbel i eve t hatmostoft hebusi nessest heywor kwi t har eawar eoft hei ncomi ngchanges,j ust51% sai dt hemaj or i t yoft hei rcl i ent sar eact i vel ypr epar i ngf ort heupdat edl egi sl at i on. Whi l et hi sr epr esent sanot abl ei mpr ovementsi nceJul y2019,whenj ust12% ofr espondent ssai dcl i ent swer eput t i ngpl ansi npl acet or espondt ot henew r ul es,i tal sosuggest st hatmanyar enotdoi ngenought oensur et heyar e r eadyf ort hechanges. Whenaskedi ft heor gani sat i onst heyr ecr ui ti nt oar eexpect i ngt opaymor ef or cont r act or saf t ert hechangesar ei mpl ement ed,38% sai d‘ yes’ .I nJul y2019, t hi sf i gur est oodatj ust10%.I naddi t i on70% ofr ecr ui t mentf i r mssur veyed sai dt hatt heyar enotexpect i ngt hemaj or i t yoft hei rcont r act or st oagr eet o wor ki ng‘ i nsi de’ I R35oncet hechangescomei nt oef f ect–suggest i ngadi sconnectbet weent hecont r act orandempl oyercommuni t i es.
Ont hef i ndi ngs,Tani aBower s,Gener alCounselatAPSCo,comment ed: “ Thecount downt ot heof f payr ol lwor ki ngr ef or mi snowwel landt r ul yunder way–butourl at estdat asuggest st hatmanyempl oyer sar eei t herunawar eof t hewi derpot ent i alconsequencesoft hechanges,orsi mpl ybur yi ngt hei r headsi nt hesand. ” “ I r r espect i veofanyr evi ewi nt ot her ol l out ,whi chmaybeannouncedi nt he QueensSpeech,cl i ent sshoul dnotbecompl acentgi venscal eoft hi schal l enge.Busi nessesnowhaveaf ewshor tmont hst ogetr eadyf ori ncomi ng changest oI R35l egi sl at i onbuti tseemst hatmanymaybei l l pr epar ed.Compani eswhi chhaven’ tal r eadymustur gent l yr evi ewt hei rexi st i ngcont i ngent wor kf or cest odet er mi newhatempl oymentmodel si ndi vi dual sar ewor ki ng t hr ought ounder st andt heext entofPSCcont r act orusage.Theyshoul dt hen wor kwi t ht r ust edr ecr ui t mentpar t ner st odi scusswhi chr ol esar el i kel yt obei n scopeacr ossdi f f er entl evel s,andi fi ndi vi dual swi t ht heseski l l sar et hi nont he gr oundoreasi l yr epl aced,sot hatpl anscanbeputi npl acet oenabl et hem t o sust ai nandgr owf ut ur ewor kf or cesef f ect i vel y .I fwe’ vel ear ntanyt hi ngf r om t he publ i csect orr ol lout ,i ti st hatwear enowent er i ngaper i odofsi gni f i cant change.However ,bywor ki ngwi t hexper tr ecr ui t mentpar t ner s,busi nessescan ensur et hatt heynavi gat et henewl andscapeeasi l y . ” Rel easef r om Bl ueSkyPR
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HomeI mpr ovement s Per f ectmeatal lyearr ound f r om t hesmar t estki t chen gadgett ohi tst ocki ngst hi s Chr i st mas Themeatt her momet ert hatens ur esper f ec tmeat ,ev en wheny ou’ r eawayf r om t hek i t c hen Lei c es t er ,1 1Dec ember2019–Chr i s t mass eas oni supon usandmanywi l l al r eadybet hi nk i ngaboutf i ndi ngt hat per f ec tgi f t .I fy ou’ r es hoppi ngf oranat homec heforf ood l ov er ,t hent hi nknomor e.TheMEATER+i sahi ghl ydes i r abl e,us ef ul k i t c hengadgetf ort hes t oc k i ngofany onet hat t ak espr i dei nt hei rc ul i nar ys k i l l s . Anowi r es ,nof us smeat t her momet erwi t has mar t gui dedc ooks y s t em,t he MEATER+ens ur est as t y , s uc c ul entands at i s f y i ng r es ul t sev er yt i me.Whet her t hatbef orr oas t i ngt het ur k ey orgoos eonChr i s t masday , c ook i ngahear t war mi ngj oi nt ofmeati nc hi l l yFebr uar yor f ort hos es unnyBBQ’ si nt he s ummermont hs . We’ r eal l l ook i ngf orway st o mak eourl i v est hatbi teas i er andwhatbet t erpl ac et os t ar tt hani nt hehear toft he home.Thi ss mar tk i t c hengadgetwi l l notonl yens ur ej ui c y c ook i ngr es ul t s ,i tal l owst hec heft os t epawayf r om t he k i t c hen.J us tc onnec tt heMEATER+t oanys mar t phoneor t abl etandus i ngapat ent edt ec hnol ogy ,MEATER+pr ov i deses t i mat edc ook i ngt i mes ,moni t or smeatwhi l s ti t ’ s c ook i ngands endsal er t st omobi l edev i c ess uc hasnot i f i c at i onswhenmeati sc ook edt oper f ec t i onandr eadyt o enj oy ,s av i ngt i meandef f or t .I fnotf ors omeone’ ss t oc k i ng, t henanabs ol ut emus t hav es mar tc ook i ngt ool t oens ur e t heChr i s t mast ur k eyi sati t sy ummi es t ,whi l ey ouf oc uson al l t het r i mmi ngsands pendi ngt i mewi t hy ourf ami l yand f r i ends . Agr eatk i t c hengadgetc anmak et hedi f f er enc ebet weena bogs t andar dmeal andac ul i nar ymas t er pi ec ef i tf orMas t er Chef !MEATER+del i v er sper f ec tr es ul t st i meandt i me agai n,i ss i mpl et os et up,s i mpl et ous e,andc anbeenj oy edbyanybuddi ngc hef . I ns t oc knowf r om MEATER,RRP£99. Rel eas ef r om ThePRRoom
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Busi nessFocus
New wayst opaypr ot ectconsumer sagai nstcar df r aud Wi t hcar df r audandi dent i f yt hef tcont i nui ngt ohi tt heheadl i nes,Jason Roos,CEO oft echnol ogycompanyCi r r us,di scusseswhyi tpayst o knowaboutpaymentst andar dswhenusi ngyourcr edi tordebi tcar d onl i neoront hephone. I nt oday’ si ncr easi ngl ycashl esssoci et y ,weal lr el yonusi ngcar dsf or payment s.Wehappi l yr el ayouraccountandcr edi tcar ddet ai l sont he phonewi t houtasecondt hought ,t r ust i ngt hatt hecompanyt hatwear e deal i ngwi t hwi l lmanageourcar ddat asecur el y .Buthowsaf ear eour det ai l s? Maj orcar df r audl ossesr ecor dedi n2018 Accor di ngt oUKFi nance( i ) ,t het hef tofper sonalandf i nanci aldet ai l s t hr oughsoci alscamsanddat abr eacheswasamaj orcont r i but ort o f r audl ossesi n2018.I nf act ,dat abr eachesi nvol vi ngj ustt hr ee wel l knownbr andsar er epor t edt ohaver esul t edi nt heat t empt edcompr omi seofar ound6. 3mi l l i onpaymentcar ddet ai l s. Thef i nancei ndust r ycannott ackl ef r audal one,whi chmeanst hati ti s t her esponsi bi l i t yofal lcompani esi nt hechai nt ot akepr event at i ve measur esandsecur ecar ddat a.Sohowcanwebesur et hatourdet ai l sar esaf e? We’ vei dent i f i edt hr eekeyar east obeawar eof : 1. Maki ngyourpayment ssecur e–PCIDSSSt andar ds PCIDSSi sawor l dwi dePaymentCar dI ndust r yDat aSecur i t ySt andar dt hatwassetupt hebyt hef i vebi gcar dpr ovi der s( i i ,t heUKCar ds Associ at i on( nowUKFi nance) ,t ohel pbusi nessespr ocesscar dpayment ssecur el yandr educecar df r aud.
Bei ngcompl i antwi t hPCIDSSmeanst hatacompanyi sdoi ngi t sbest t okeepcust omer sval uabl ei nf or mat i onsaf eandsecur e.I fabusi ness l osesacust omer ’ scar ddat ai . e.suf f er sadat abr eachandi snotPCI DSScompl i ant ,t heycoul di ncurf i nesf ort hedat al ossandbel i abl e f ort hef r audcost si ncur r edagai nstt hesecar ds,nott oment i ont he r eput at i onalandbr anddamage. 2. Yourphonepayment s–nol ongert heweakestl i nk ThesamePCIDSSgui del i nesal sosetoutr equi r ement sf orcal lcent r eswhent aki ngpayment s.Theneedf ormanycont actcent r est o r ecor dcal l s,f orsecur i t yandt r ai ni ngpur poses,makespr ot ect i ngt he dat amor edi f f i cul t .Butbycompl yi ngwi t ht hePCIDSSst andar ds, compani escanachi evet hesecur i t yl evel sr equi r ed. However ,t hi scanbeacompl exandcost l yt echni calpr ocesst of ol l ow andt her ear ecompani est hatdonotcompl y .Tor educecost sand compl ywi t ht hest andar ds,someor gani sat i onschooset omi ni mi ze ( of t encal l ed‘ descopi ng’ )orel i mi nat eal t oget hert hecust omercar d dat at hatt heyhol di nt hei rsyst ems,r educi ngf r audr i sk. Forexampl e,t heymayof f er‘ st opst ar t ’ r ecor di ngonyourcal lorhave ‘ cl eanr ooms’ ( wi t hnopaper wor kandnot hi ngi swr i t t en)anddedi cat ed paymentt eams.SomeuseI nt er act i veVoi ceResponse( I VR)Payment s,par t i cul ar l yl ar gecont actcent r es,whi cht akeyourcar ddet ai l s andcutt heagentr i skoutoft hel oopent i r el y .However ,dat ast i l lr esi desi nt hecal lcent r e,soI VRal onedoesnotensur ePCIcompl i ance. 3. Newwayst opaywi t hSMSandemai lar er i ngi ngt hechanges Suchi st hepaceofnewt echnol ogyt hatt her ear enownew,secur e, easi erwayst opay .Asanexampl e,Ci r r us’ newLi nkPay+ser vi ce( a par t ner shi pwi t hSemaf one)sendsyouasecur epaymentl i nk,vi a SMSoremai l ,whi l eyouar eont hephoneorwebchatt oacal lcent r e. Wi t hLi nkPay+youcanent eryourcar ddet ai l sonasecur ewebsi t e pagewi t hconf i dence. Youcancompl et eyourpur chasedur i ngt hecal lorchat ,savi ngyou t hehassl eofr i ngi ngadi f f er entnumberorr evi si t i ngt heor i gi nalwebsi t e.I t ’ smor econveni entt hanent er i ngcar ddet ai l sovert hephone andhel pi sathandi fyouneedi t . Ther ear epl ansi nt hef ut ur ef ort hi st echnol ogyt ot i eupwi t hAppl e PayandGoogl ePay ,whi chwi l lmakei teveneasi erf orcust omer st o paysecur el y . Whi l ecompani esar emaki ngl eapsandboundst opr ot ectcar dpayment sandi dent i f yt hef t ,i twi l lal waysbeachal l enge,asf r audst er s ar econst ant l yl ooki ngt of i ndnewwayst oexpl oi tt echnol ogyweaknesses. TheTakeFi vet oSt opFr aud( i i i ) i sanat i onalcampai gnt hatof f er s advi cet ohel pever yonepr ot ectt hemsel vesf r om pr event abl ef i nanci al f r aud.Whi l styoupr obabl yal r eadyf ol l owt headvi ceassecondnat ur e, i t ’ swor t har ead. JasonRoosi sCEO ofCi r r us Rel easef r om ht t p: / / www. pr ar t i st r y . com