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> You cant really compare this with a bank like citygroup.

Yes, yes you can.

Listen, PCI compliance is something people like to talk about, but you'd be surprised at the number of companies that don't follow even the bare minimum (unencrypted cards and keeping the CVV). We are talking about large, national corporations (and not Sony).

Besides, who do you think is writing this software? Normal people. There isn't a "Programming for Banks" degree you can get. It's programming. They hire contractors for months/years at a time, and then they are done with them.



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