In this second discussion with First Data execs, George and Scott MacKay, Vice President, Strategic Solutions talk digital commerce in the automative space, both at the fuel pump and in the Connected Car.

The importance of full stack security, whether it's sole sourced or the result of an integration effort, to successful deployment of mobile commerce is a theme here.

Enabling the mobile experience at the fuel pump is complex. Petro sellers have a lot of legacy gear and the cost of upgrading that equipment is very high, a fact that has, at least, inhibited the pace of the EMV upgrade.

The richness of the mobile device's data such as device fingerprinting and back end intelligence makes it conceivable that a fuel retailer could skip EMV altogether. Maybe.

Scott also shares a look at payments and the Connected Car through the company's discussions with automobile manufacturers.