Originally Posted by
tmiw
Sure, but if they really did suffer no added liability up until now, there'd still be a whole lot of places that are swipe-only (or maybe only upgraded within the last couple of years solely to get contactless and got EMV along with it). The reason why hackers have (mostly) gone away from skimming is because it's difficult to find a swipe-only merchant now.
I think it's simply because swipe-only terminals are no longer available. It's been 7 years since the liability shift, which is enough time for most terminals to have reached the end of their life cycle. Even with no added liability, merchants are going to get EMV terminals because there is really nothing else on the market.