Zero Day Studios™

Apple Card has finally hit consumer wallets but do its security and convenience features really pay off? Apple Pay as a service has been around for since 2014 and has grown by millions of users and hundreds of thousands of retailers, banks and credit unions all over the world. But one thing has evaded Apple and that is the simple physicality of a swiping credit card. Now armed with a titanium Apple Card and backed by Goldman Sachs, consumers can finally make purchases at any physical or online retailer that still does not support Apple Pay. Card setup is sleek and simple just as one would expect from Apple. An NFC chip is actually embedded in the card holder it ships with so all you have to do it bring your iPhone near it to activate the Apple Card. The first thing I noticed was that while the card does retain the old magnetic stripe standard and newer EMV chip, there are no numbers, dates, signatures or CVV codes that can be gleaned visibly by thieves. This adds an additional layer of security right off the bat. In addition, a unique device ID is created and stored in the Secure Element of iPhone when a new Apple Card is first activated. Every Apple Card transaction requires not only the card number, but also the unique device ID and a one-time code that is generated when the Card's owner verifies the transaction using Touch ID or Face ID. That’s an extra few layers of security for good measure - far beyond most physical cards. But what about fraud protection? Apple Card alerts users whenever a transaction occurs allowing them to block that purchase so if a fraudulent charge is somehow made, users are not held responsible. And if you need to use the card for online purchases you can see the actual number in your Apple Card app on your iPhone. That brings me to one of the few downsides to this card. As of right now, you need an iPhone in order to activate the card and pay the balance. Apple is working on a web-based payment portal system but for now, if you lose your iPhone, you will need to get a new phone before you can pay your bill. If your iPhone is stolen, you can at least rest assured that the thief will not be able to see or use any of your financial data due to iPhone’s strong security measures. Rewards are as follows: 1% cash back for all purchases made with the physical card, 2% back for all digital Apple Pay purchases and 3% back for all Apple product purchases. Apple just inked a deal with Uber for 3% back on all of those purchases too so expect more promotions like this in the future. Compared to more generous rewards plans like Capitol One and Citi Bank, Apple Card might seem stingy but Apple’s move here is really to get consumers off the old standard of physical cards and all of their weaknesses and into the more secure digital realm. Apple’s Wallet app also provides great financial transaction data to inform and educate consumers. The card icon in the app even changes color to represent different types of transactions: green is travel, yellow is shopping, purple is entertainment and red is health related for example. There are already many videos and reviews that challenge Apple’s legendary hardware design including cutting the titanium Apple Card and even shooting it with a .22 caliber bullet. But let me offer you a more useful tip. By simply texting Apple directly from within the Apple Card app, you can easily remove yourself from all arbitration clauses that are built into the standard agreement with Goldman Sachs. This process took only a minute and gave me reassurance that if something goes awry with my account, I have not lost the ability to file a lawsuit in a public court. Apple Card is closely tied in with a user's individual Apple ID so I don’t recommend them for your small business employees but based upon the card’s reception so far, expect to see more exciting new offerings soon from Apple. Scott Schober is an author, CEO of www.bvsystems.com and #cybersecurity expert that appears regularly on Bloomberg TV, Fox Business & Fox News, CCTV America, Canadian TV News, Al Jazeera America, Arise TV as well as CNN, CBS Morning Show, MSNBC, CNBC, The Blaze, WPIX as well as local and syndicated Radio including Sirius/XM & Bloomberg Radio and NPR. Twitter: @ScottBVS Follow: https://www.linkedin.com/in/snschob... Website: www.ScottSchober.com www.HackedAgain.com

Tax season is still upon us and you know what that means...cyber scammers are out in full force to take advantage of as many legal taxpayers as they can scam. From Zero Day Studios, I’m Scott Schober and this your 2 minute cybersecurity briefing. Scott Schober is a #cybersecurity and wireless technology expert, author of Hacked Again, host of 2 Minute CyberSecurity Briefing video podcast and CEO of Berkeley Varitronics Systems who appears regularly on Bloomberg TV, Fox Business & Fox News, CCTV America, Canadian TV News, Al Jazeera America, Arise TV as well as CNN, CBS Morning Show, MSNBC, CNBC, The Blaze, WPIX as well as local and syndicated Radio including Sirius/XM & Bloomberg Radio and NPR. Twitter: @ScottBVS Follow: https://www.linkedin.com/in/snschob... Website: www.ScottSchober.com www.HackedAgain.com

After months of resistance from tech companies, the Australian government has just made good on their threats to pass anti-encryption legislation. This new legislation not only arms law enforcement agents with more surveillance power but also disarms tech companies in their efforts to provide better privacy and security to their customers. But does it stop there? Can breaking encryption also break society? From Zero Day Studios, I’m Scott Schober and this your 2 minute cybersecurity briefing. Scott Schober is a #cybersecurity and wireless technology expert, author of Hacked Again, host of 2 Minute CyberSecurity Briefing video podcast and CEO of Berkeley Varitronics Systems who appears regularly on Bloomberg TV, Fox Business & Fox News, CCTV America, Canadian TV News, Al Jazeera America, Arise TV as well as CNN, CBS Morning Show, MSNBC, CNBC, The Blaze, WPIX as well as local and syndicated Radio including Sirius/XM & Bloomberg Radio and NPR. Twitter: @ScottBVS Follow: https://www.linkedin.com/in/snschob... Website: www.ScottSchober.com www.HackedAgain.com

www.Cybersecurity500.com Cybercrime is the greatest threat to every company in the world, and one of the biggest problems with mankind. The impact on society is reflected in the Official 2017-2018 Cybercrime Report, published by Cybersecurity Ventures. According to the report, cybercrime will cost the world $6 trillion annually by 2021, up from $3 trillion in 2015. This represents the greatest transfer of economic wealth in history, risks the incentives for innovation and investment, and will be more profitable than the global trade of all major illegal drugs combined. Thousands of startups have been formed over the past decade to focus on combating cybercrime. The Cybersecurity 500 features the hottest and most innovative companies in this market. The first-ever official annual Cybersecurity 500 list for 2018 was announced to a live audience at the Cyber Investing Summit in New York City earlier today. Now in its third year, the Cyber Investing Summit is an all-day conference focused on investing in the cybersecurity industry, which is predicted to exceed $1 trillion in cumulative spending on products and services over the next five years, according to the Cybersecurity Market Report. The Cybersecurity 500 selection criteria includes some or all of the items below for each company: Cybersecurity Sector (market category) Problem(s) Solved Customer Base Feedback from CISOs and Decision Makers Feedback from IT Security Evaluators & Recommenders Feedback from VARs, SIs and Consultants VC Funding Company Growth Published Product Reviews Demos and Presentations at Conferences Corporate Marketing and Branding Media Coverage Notable Implementations Founder and Management Pedigree Interviews with Senior Management About Cybersecurity Ventures is the world's leading researcher and publisher covering the global cyber economy, and a trusted source for cybersecurity facts, figures, and statistics. The Cyber Investing Summit is an all-day conference focused on investing in the cyber security industry, which is predicted to exceed $1 trillion in cumulative spending on products and services over the next five years from 2017 to 2021, according to Cybersecurity Ventures’s quarterly Cybersecurity Market Report. Panels will explore the financial opportunities, trends, challenges, and investment strategies available in the high growth cyber security sector. Speakers include leading cyber professionals, technology analysts, venture capitalists, fund managers, investment advisors, government experts, and more.

Scott discusses Bitcoin, Litecoin, Ethereum, Monero and their pros and cons. Scott Schober is a #cybersecurity and wireless technology expert, author of Hacked Again, host of 2 Minute CyberSecurity Briefing video podcast and CEO of Berkeley Varitronics Systems who appears regularly on Bloomberg TV, Fox Business & Fox News, CGTN America, Canadian TV News, as well as CNN, CBS Morning Show, MSNBC, CNBC, The Blaze, WPIX as well as local and syndicated Radio including Sirius/XM & Bloomberg Radio and NPR. Twitter: @ScottBVS Follow: https://www.linkedin.com/in/snschob... Website: www.ScottSchober.com www.HackedAgain.com

Cybersecurity expert, Scott Schober discusses the past, present and future of password security with Izak Bovee, Director of Product Management at Accellion. This podcast is audio only. Scott Schober is a #cybersecurity and wireless technology expert, author of Hacked Again, host of 2 Minute CyberSecurity Briefing video podcast and CEO of Berkeley Varitronics Systems who appears regularly on Bloomberg TV, Fox Business & Fox News, CGTN America, Canadian TV News, as well as CNN, CBS Morning Show, MSNBC, CNBC, The Blaze, WPIX as well as local and syndicated Radio including Sirius/XM & Bloomberg Radio and NPR. Twitter: @ScottBVS Follow: https://www.linkedin.com/in/snschob... Website: www.ScottSchober.com www.HackedAgain.com