"IntelCrawler, based in Los Angeles, said that nearly 17-year-old Sergey Taraspov is a well-known programmer of malicious code in the underground world. The cyber-intelligence firm added the BlackPOS malware is an inexpensive “off the shelf” malware, which it said may also have been involved in the Neiman Marcus attack."
"He said the malware is being sold for $2,000 or 50% of the proceeds from selling compromised card information."
Don't know whether this is true or not, but it's certainly plausible. A half-century ago, nobody encountered the challenge of writing software until college age. Nowadays, with cheap computers in most homes, the gifted children of enlightened parents can be programming prodigies as easily as they can be musical or mathematical prodigies.