Always like listening to folks talking about ATMs (especially as a chap currently writing software for them) but one point on chip and pin that no one seems to remember. When the UK moved from signing to chip and pin the banks shifted liability for fraudulent transactions from them (when on the old signing method) to us (on chip and pin) and the retailer (when falling back to signing).
Was never done for our benefit, all theirs... as usual.
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