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PreprintCC BY 4.0Zenodo

EMV counterfeit fraud: verify the 76% claim before adopt or skip

Abstract

Verify the 76% EMV counterfeit-cut claim: only Mastercard's 54% cost drop is traceable. Adopt chip/contactless where counterfeit chargeback liability applies.

Independent technical note mirroring the canonical version: https://l0t.me/blog/emv-counterfeit-fraud-verify-the-76-claim-before-adopt-or-skip.php

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BibTeX
@misc{lawson2026counterfeit,
  title = {{EMV counterfeit fraud: verify the 76% claim before adopt or skip}},
  author = {Nathan Lawson},
  howpublished = {Zenodo},
  year = {2026},
  month = oct,
  doi = {10.5281/zenodo.23458080},
  url = {https://zenodo.org/records/23458080},
  note = {CC BY 4.0},
}
RIS
TY  - UNPB
TI  - EMV counterfeit fraud: verify the 76% claim before adopt or skip
AU  - Nathan Lawson
PY  - 2026
DA  - 2026/10/18
PB  - Zenodo
DO  - 10.5281/zenodo.23458080
UR  - https://zenodo.org/records/23458080
AB  - Verify the 76% EMV counterfeit-cut claim: only Mastercard's 54% cost drop is traceable. Adopt chip/contactless where counterfeit chargeback liability applies.  Independent technical note mirroring the canonical version: https://l0t.me/blog/emv-counterfeit-fraud-verify-the-76-claim-before-adopt-or-skip.php
ER  -