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I never experienced this directly, but when Chip'n'Pin first came out, wasn't it the case that some European banks held customers responsible when it got hacked? The theory was apparently that it was "impossible" to hack Chip'n'Pin so something must have been the customer's fault...

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Isn't it still impossible? You can only hack it if you can guess the PIN or in cases where the victim wrote it on the card. The latter happens quite often and this is where banks sometimes refuse to pay.

If you keep your PIN secret it's a very secure system (unless the attacker is very lucky).

Man in the middle https://arstechnica.com/tech-policy/2015/10/how-a-criminal-r...

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