An estimated 25 percent of U.S. debit cards are expected to be chip-enabled by the end of the year. The move to chip-based cards, also known as EMV for Europay Mastercard Visa, is scheduled to happen next month. As more and more banks send out new cards to their customers, criminals will have fewer and fewer targets to go after. The advantage to banks is that if a merchant hasn’t yet issued a chip card, the card turns out to be fraudulent, then the merchant will be liable for the fraud.”]