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Despite a lack of enthusiasm among card experts, a new report from Aite Group predicted that 70% of credit and debit cards in the U.S. will contain a computer chip that conforms to the EMV protocol by December 2015.

The Boston-based financial services consultancy interviewed executives representing the 18 largest card issuers in the U.S. to compile the report, “EMV: Lessons Learned and the U.S. Outlook.” Aite Group also reviewed how foreign payment systems had adopted EMV chips.

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