a) Actually it is very simple and customer do not need them. There are plenty of payment option like credit card, cash, debit card, checks etc. without a costly microchip in the card.

b) The retailer had card reader which accept only credit and debit card. The retailer donot have smart card reader and they donot want to buy smart card reader as there were only few consumer had smart card.

c) As telecommunication infrastructure is advanced, transaction can be quickly and cheaply verified online and thus eliminating the card offline verification benefits.

d) Retailer would return to traditional Magnetic-strip cards that costs less.

e) The perks and benefits were not delivered in a relevant manner. Target progrm required consumer to go to a specific kiosk inorder to access the loyalty coupon and then redeem at the point of sale.

a) The success of smart card depends on sleek look and low interest rate.

b) The organisation should look to loyal programs as a way to recognise and retain their best customer as it is widely accepted that 20% of customer produce 80% of profits.

c) Real time loyalty can help an organisation to identify its best customer, reward them for their patronage and weed out the rest.

d) Using that technology in the Smart Card which should reduce the Credit Card Fraud in the World.

e) They should take care of not the type of card but the benefits associated with it.

f) Smart Card should be used over and over and not for a limited time only.

g) Copying a Chip card is lot harder than copying a Magnetic-stripe card therefore Target executives shall use a better quality of Chip card.