One less code for people to remember, but not nearly as secure
The remaining fraud is mostly scammers doing contactless transactions without pin with stolen cards (max €50 loss in most of Europe) or scammers recording pin entry and then stealing the card (rare). I don’t think it’s unreasonable to have consumer liability for the first case.
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Respectfully disagree. While unauthorized charges are probably just an annoyance for you, a stack of €50 charges is a big deal to most folks.
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(and me, too FWIW)
End of conversation
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