Chip-and-PIN technology is already keeping more transactions safe from fraudsters. The FBI has issued public advisories suggesting that moving to EMV alone will not keep consumers safe. 85 percent of merchants are still concerned about card-not-present (CNP) attacks, according to Vestas 2017 Financial Impact of Fraud Study. Online theft may continue to loom in the shadows, but this is an area where organizations can make a significant IT security improvement today.”]