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The industry has generally agreed on EMV (the Europay-Mastercard-Visa standard) as the necessary next step for the U.S. card market. As a result, another question has been presented: Which type of chip technology, chip-and-PIN or chip-and-signature, is best suited to support the country’s migration to EMV?

Even as the terms “EMV” and “chip-and-PIN” became nearly synonymous over the past few years, some players have chosen a different route – namely, chip-and-signature. But to many, the assertion that issuers should add chip technology to their plastic without also configuring the chip to work alongside a customer authentication code, like a PIN, is not a great idea.

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