Bottom line: Our research suggests that end-to-end encryption and tokenization will likely exist side-by-side in nearly all large and most midsize businesses for the next two to three years. Suggesting that one can take the place of the other does not take into account the reality of the large, multi-channel merchant or service provider.

If you would care comment or share your experiences, e-mail us at David.Taylor@KnowPCI.com.