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By Dan Brames   Last year I wrote an article entitled, “No Excuses for Non-compliance” discussing how processors were working to remove obstacles to EMV non-compliance by making the transition less painful for small merchants. In the past year, we’ve seen compliance grow from 35 percent to 60 percent among our merchants. Others sources estimate the penetration at about half of the market. Still, too many merchants remain unprepared. Banks have gone to great lengths and expense to....