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Did you ever wonder why so many retailers have chip-readable machines for credit cards, but tell you to swipe your card anyway? This article explains this frustrating issue for retailers.

1. Merchants have spent incredible amounts of money to get new chip-reading machines, so what is the reason for not using them?
2. Since Oct. 1, 2015, who is responsible for the costs of credit card fraud?
3. What is the “finger-pointing” issue on who is responsible for the delay in using the new equipment? Discuss.
4. What are chargebacks? For Mr. Avi Kaner, co-owner of Morton Williams supermarkets in New York, what have these chargebacks meant?

Abrahams, R. (2016). Chip-Card Payment System Delays Frustrate Retailers. The New York Times, March 22 (Retrievable online at