EMV and CNP Fraud

With every EMV rollout merchants and cardholders are being told the same old story - that the EMV will efficiently reduce (or fully eliminate) card present fraud but that the fraud will most likely quickly and rapidly shift toward card not present (CNP) channel. This is the direct result of the simple fact that EMV doesn’t protect card numbers during the EMV card present transactions at POS and that those card numbers if stolen from unprotected POS devices, could likely be used on CNP channel. Due to the way current EMV cards are currently personalized and issued, it is certainly true statement, but I certainly do not agree that maintaining the EMV status quo should be justified anymore - now and / or going forward.

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