Some people just do not like change, and you know who you are. Some even find it painful but even those who relish the idea of a challenge will admit that adapting themselves to new CRM software is a process they'd just as soon save for another day. But therein lies the answer. Adjusting to a new CRM system is a process, it's not a once-and-done deal.

As of Sept 30th, 2015, 120 million EMV chip cards have already been issued in the United States, and another 480 million are expected to be issued before the end of 2015.