Designed as a retail fraud-buster, chip and PIN has brought an unexpected twist to POS evolution – it has put the payment terminal in the hands of the consumer; creating a unique customer touch-point. Few would argue that payment devices are now a powerful part of the overall retail experience. While speed, security and reliability are vital; so is the ability to make transactions easier, more convenient and also rich in appeal for a population whose attitudes towards technology have changed dramatically since the introduction of EMV.