Kiwis are naturally resourceful. Kayak strapped to the car roof, chilly bin packed, trip funded by a sausage sizzle outside Bunnings, and enough confidence to figure the rest out along the way. But when it comes to PCI DSS compliance, that resourcefulness splits in three. Some businesses spend like they have hired a helicopter to fly a route they could have driven in a car. Others set off with no map, no fuel, and ‘all good, mate’ attitude. And some start the engine and never leave the car park.

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