> In the early days there was a concern that the courts would believe that chip and pin proved the customer was responsible (i.e. that the mere fact of a succes

> In the early days there was a concern that the courts would believe that chip and pin proved the customer was responsible (i.e. that the mere fact of a successful transaction with chip and pin technology necessarily proved the customer had told the fraudster their pin), but it seems fair to say the reality of chip and pin fraud has set in now. This actually was true across Europe for the first few years when EMV chips were rolled out. It took some time before they passed a law which absolved customers of liability for fraud processed as EMV transactions.