By October 2015, chances are that America will no longer have the dubious distinction of leading the world in credit card fraud. A year from next month, the 1960s-vintage swipe-and-signature magnetic stripe card system is expected to be yielding in a serious way to EMV, also known as chip and PIN The much-anticipated, and debated, shift will not be because of a mandate. But next October marks the so-called liability shift a clear incentive for merchants and banks to make the transition.”]