Implementing EMV has cost issuers and merchants billions – $22 billion just in the United States, according to industry researcher Aite Group. While that money is a positive when it comes to cutting down on fraud at the point-of-sale and other card-present situations, it also has served to increase the amount of card-not-present (CNP) fraud. In the U.S., EMV enablement has soared during the past year on the credit side of the ledger. However, debit enablement still trails significantly due....