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Once More Unto the Breach

Credit card companies and financial institutions are rolling out new technologies in an attempt to stay ahead of, or at least even with, criminals who seek to obtain credit cards and personally identifiable information. The struggle to do so, however, is an uphill battle. EMV chip technology, named after its original developers Europay, MasterCard®, and Visa®, is now becoming the global standard for credit card and debit card payments. However, EMV technology only enhances security in the “card present” space. Therefore, it is expected that fraud will shift to the least secure channels where the card is not present. As fraud online increases and criminals become more sophisticated, the tools in place now may no longer be advanced enough to protect merchants and their customers.

What does this mean for merchants and their liability? For the average consumer? For law enforcement? For the criminals?


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Write an essay (500-750 words) discussing the role of credit cards in online transactions and how they are secured. Consider the questions posed above. Use current APA Style formatting for your written assignment, citations, and references.

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