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PCI DSS (Payment Card Industry Data Security Standard)

The Payment Card Industry Data Security Standard (PCI DSS) is a set of security standards and requirements established by the Payment Card Industry Security Standards Council (PCI SSC) to protect payment card data and secure payment transactions against fraud, data breaches, and unauthorized access in e-commerce and payment processing environments. In academia, PCI DSS compliance is studied within the fields of cybersecurity, risk management, and regulatory compliance. Researchers investigate PCI DSS requirements, including data encryption, access controls, and security monitoring, to understand their role in safeguarding sensitive cardholder information and maintaining trust and confidence in the integrity and security of electronic payment systems. PCI DSS compliance involves various measures and best practices, such as network segmentation, vulnerability scanning, and security awareness training, to ensure the confidentiality, integrity, and availability of payment card data throughout its lifecycle. By achieving PCI DSS compliance, organizations can demonstrate their commitment to data security and regulatory compliance, protect their customers’ sensitive information from data breaches and cyberattacks, and mitigate financial and reputational risks associated with non-compliance and security incidents. Academic studies on PCI DSS compliance also explore its implementation challenges, such as scope reduction, compliance fatigue, and evolving threat landscape, as well as industry-specific considerations and emerging technologies, such as tokenization, end-to-end encryption, and cloud security, to address compliance gaps and enhance the resilience and effectiveness of payment security measures in a rapidly evolving digital payments ecosystem.

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