This holiday season, more customers than ever have debit and credit cards with EMV chips. While this may cut down on fraud, shopping may be a slower process.

With these cards, consumers don't swipe, but insert the card into the machine instead.

"This will be the first holiday season after the transition," said Rob Nichols, incoming president and CEO of the American Bankers Association. "It will be an instructive holiday season for our industry."

Image via Flickr/frankieleon

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