FRAUDE PRIN INTERMEDIUL CARDURILOR BANCARE

Ion CIOBANU*, Georgeta GHERGHINA**, Alexandru GRIBINCEA *InvestPrivatBank, Chişinău **Agenţia Raiffeisen Bank SA, Constanţa Catedra Marketing şi Relaţii Economice Internaţionale

Abstract

Today may be noting an interdependency manifest between the process of migrating to chip and technology the fraud through credit cards. In the Europe and Asia Pacific, which is always recording high rates of fraud with bank cards, the migration to EMV technology started in 2006. Thus, according to statistical data provided by MasterCard in Europe have migrated to chip 35% of the total number of cards, and 15% in Asia Pacific region. However, rates of migration to chip technology in the U.S. and Australia are much lower, the explanation being reduced crime with credit cards in these countries.