After the massive Target data breach, issuers are bracing for the next hacking crisis -- and the headache of swiftly replacing most of their cards. Belzoni, Mississippi-based BankPlus has adopted instant issuance software called Foxtrot to handle customer and account data conversion. The software automates data entry that otherwise would be manually performed by employees and can issue cards in a fifth of the time. "[I]f we had to replace our cards, we'd be able to replace them quickly," says Janice Smith, vice president and information security officer for BankPlus.