Leading the latest edition of the ISMG Security Report: Microsoft's Joram Borenstein highlights his top three areas of focus for 2019. Plus, Randy Vanderhoof of the US Payments Forum on securing card transactions in the coming year.

In this report, you'll hear (click on player beneath image to listen):

Joram Borenstein, General Manager of Microsoft's Cybersecurity Solutions Group, flag heterogeneity, passwords and business email compromise are key areas of focus in 2019; Randy Vanderhoof, Director, US Payments Forum, discuss 2019 developments for the payment card industry around security standards such as EMV 3D Secure and emerging technologies such as contactless payments; ISMG's Tom Field outline "known knowns" and "unknown knowns" in the coming year's schedule of news reporting and events.

The ISMG Security Report appears on this and other ISMG websites on Fridays. Don't miss the Dec.14 and 21 editions, which respectively discuss whether China was responsible for the Marriott breach and the Data Care Act in the U.S.

Theme music for the ISMG Security Report is by Ithaca Audio under a Creative Commons license.