Ray will start the presentation with sharing e-commerce threat and breach trends that we have been monitoring for close to a decade. We will focus on a case study and investigate what the core challenges and issues are that have been identified. With this backdrop, Sylvia will tie in PCI DSS v4.0 and how this new version will more effectively address the risks that we see in the e-commerce space. She will cover specific requirements in PCI DSS v4.0 that will effectively help address the pain-points that often lead to breaches.