The U.S. is the last country to use EMV-based credit cards. The move to chip-based cards is not a solution to the problem of fraud in the past. Instead, it’s up to the banks to decide whether to use a card with a PIN to make it harder for hackers to get access to the card. The problem is not solved by changing the system, but by changing it, it will be hard to do so. The UVA says it will have to change the system to make sure it doesn’t become more secure.”]