EMV enabled payments assumes reduced fraud due to the security features that are intact with it. The cardholder would no longer use their pin since that is what caused the breach, but would simply pass the chip intact. The EMV chip is like a kind of small computer that protects all the cardholder's information. EMV also allows the exchange of data without the device ever leaving the owner's possession. This makes paying by card much more secure and much more difficult to steal information. Through research it has been stated that emv is 53 much faster than using magnetic stripe and also 63% faster than using cash (EMVCO.com). Another advantage of emv using digital is that when you buy online it provides security which also prevents fraud. Online payments are protected with a unique cryptogram. With online shopping it would be much safer to use emv technology. Having technology that would make purchasing anything you need much safer is the way to go today