Credit Cards and EMV: Will EMV standards impact fraud control?

Credit cards have evolved from magnetic strips to chip-and-pin, chip-and-choice, and chip-and-signature cards. EMV is now the de facto global standard for the chip technology embedded in financial payment cards. In the fourth quarter of 2012, there were 1.62 billion chip cards in use across 80 countries.

But has EMV really been successful in bringing down incidents of fraud? This paper explores these facets by examining the EMV standards, rate of CNP fraud post EMV implementation and the impact.

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