If you’ve read anything about technology in the last few years, you may have seen the term “encryption” floating around. It’s a simple concept, but the realities of its use are enormously complicated.

Paytinel’s analysis of how encryption keeps payment data safe when it's sent and stored, lowers fraud risks, helps confirm identities, and makes payment systems more secure.

When the IBM PC was new, I served as the president of the San Francisco PC User Group for three years. That’s how I met PCMag’s editorial team, who brought me on board in 1986. In the years since that ...