You’ve undoubtedly seen them every time you stop at your local convenience store, or a version of them when you’ve checked out at the grocery store. You may have even seen a version at a local restaurant, alleviating the need for you to hand your card over to your server who disappears with it for several minutes. Most merchants, large and small, now utilize some version of the EMV-enabled Point-of-Sale (POS) card reader. But what is EMV? And why does it matter?