​​While there is no agreement on the exact effect that EMV adoption in the US will have on online fraud, the opportunity of scaring online merchants into urgent action with a firm deadline was not missed by the security industry. ("Online fraud is coming in October because of EMV! This is what happened in Europe! Buy our tool now!") But if you’re an online merchant or payment provider the EMV discussion misses the mark. Broad trends in fraud rates are not what you should worr