Whether PIN or signature, smart cards are coming
coming to America. But it will be years before we all have these fraud-resistant credit cards in our wallets. Though U.S. banks have been issuing the cards for a few years, the recent rash of data breaches at Target and other retailers has injected a sense of urgency into their efforts. The big question is what type of smart cards the banks will issue. Will they require a PIN code for authentication or simply a signature?