A skimmer is a device designed to steal information stored on payment cards when consumers perform transactions at ATMs, gas pumps and other payment terminals. The data they capture is used to either clone physical payment cards or to perform fraudulent card-not-present transactions online. As many countries around the world have moved to chip-enabled cards, criminals have adapted, too, and there are now more sophisticated skimmer variations. Skimmers can also be installed completely inside ATMs by corrupt technicians or by drilling or cutting holes into the ATM cover.”]