Research is now showing 71% of merchants store unencrypted payment card data in 2011, 8% higher than in 2010. This, according to SecurityMetrics merchant data security, also shows over 370 million unencrypted cards on various-sized business and home networks, with the largest amount of payment cards discovered in a single network scan at over 96 million. Merchants who store unencrypted payment card data directly violate PCI DSS requirements and may be subject to fines and other penalties after a compromise. The discovery of unprotected cardholder data may indicate a number of factors, including an improperly designed or configured payment application, a non-PCI compliant payment application or improper card handling by employees.