The idea of the liability shift for CC fraud was to incentivize retailers to upgrade their equipment without forcing them to do so. But with new chip software, simple things like bar tabs are not feasible with the technology which is hampering merchant adoption. Bar owners would actually have to track spending the old fashioned way - pen and paper. That certainly doesn't generate much excitement for patrons, its hard enough already to get your card back on a Friday night!
Over the last year or so in the US, a lot of the plastic credit cards we carry around every day have been replaced by new one with chips embedded in them. The chips are supposed to make your credit and debit cards more secure—a good thing!—but there’s one little secret no one wants to admit: .
http://qz.com/717876/the-chip-card-transition-in-the-us-has-been-a-disaster/
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