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Bankkártyák Survey Results (2008)

The Bankkártyák survey published by the MNB in early 2008 aimed to contribute to financial literacy. The report also provides insights into fraud losses in the acquiring business.

Fraud Losses

According to the survey, the total value of fraud losses was HUF 456,853 in 2008, representing a decrease of 11% from 2007. This decline is mainly attributed to a decrease in “Other” category losses.

Distribution of Fraud Types

• Lost cards: 2%
• Stolen cards: 3%
• Cards not received: 10%
• Counterfeit cards: 8%
• Mail/phone/internet: 17%
• Others: 58%

EMV Chip Migration

By the end of 2008, a significant number of payment terminals in Hungary were capable of accepting EMV chip cards.

ATM and POS Device Adoption

• 58% of ATMs were EMV chip-capable.
• 81% of POS devices were EMV chip-capable.

Bank Participation

• Eleven banks began migrating their ATMs to chip technology.
• Seven banks had POS terminals accepting EMV chip cards.

Losses Written Off

The total value of losses written off fell by one-fifth in 2008 compared to 2007. The distribution of losses written off among participants is as follows:

Distribution of Losses Written Off

• Hungarian and foreign issuing bank: 12%
• Hungarian merchant: 24%
• Hungarian acquiring bank: 56%