"EMV 'A SWEAR WORD'"... "Meh", I don't think so. This is a good word to the rest of the world who have adopted EMV. Especially when it come to solving a BIG piece of the fraud problem. More like the BIG rock in front of the granular stuff. Not the other way around. Bubble gum, band-aids, and duck tape, is what it will be until the US adopts EMV. Large US retailers doing business in Canada and other parts of the world, who have adopted EMV, do not think it is a bad word. Sooner or later, the rest of the world will not accept mag stripe cards. Americans will have to pay with cold hard cash unless they have a chip & pin card. Retailers will just not accept something (MS) that may put them at risk. Really, can you blame them..? The technology (EMV Chip & Pin Cards with P2PE) may be over 20 years old, but it works, and works well. No business sense to stay with a technology (MS) that is 60 years old.