EMV rollouts are, at last, beginning for a few lucky (or just really wealthy) U.S. card accountholders. Issuers care about them. For the rest of us, however, individual issuers discern no business case in replacing dumb magstripe cards with smart EMV cards. While there’s a crack in the dam, there will be no EMV flood until some form of leadership breaks down the barrier. Unfortunately, right now, no one wants that job. The risk is, post some disaster, that Uncle Sam could decide to intervene.
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