The oldest challenges in the ATM industry are the security of cash inside the machine and the guarantee that the withdrawer is genuine.
Whereas the magnetic stripe has been used for a long time, EMV chip and PIN is now commonplace in the ATM industry for withdrawals in the U.K. and Europe. But the fact that EMV is not truly global as yet means that fraud can continue to take place.
The problem without a solution. The coming train wreck. No way out. These are but a few of the descriptions being bandied about by ISOs, increasingly frustrated by small merchant unwillingness to upgrade both POS devices and ATMs to EMV.