There is interesting article about credit card fraud at: https://www.guardian.co.uk/uk_news/story/0,3604,1562638,00.html
Quote from this article:
“…the focus has been changed to finding the pin first, which is very, very easy if you are prepared to break social convention and look when people type the number in at the point of sale…”
So, once again, Bruce Schneier was right in his book “Secrets & Lies: Digital Security in a Networked World”. He said: “Security is not a product; it itself is a process. And if we’re ever going to make our digital systems secure, we’re going to have to start building processes. If you think technology can solve your security problems, then you don’t understand the problems and you don’t understand the technology.” Very important security weak points are in people.