Study Publisher: APACS
Study Date: September 15 2004
Study URL: http://www.apacs.org.uk/downloads/Northampton%20-%20One%20Year%20On%2015.09.04.pdf

Study Overview:
Research from a one year trial of the Chip and PIN program in Northampton, England. This program allows people to make purchases using a smartcard and PIN at supporting businesses.

Statistics From This Study:

• Consumers in England prefer making purchases with smartcards to protect them from fraud
• Most people can remember their debit card PIN, but more struggle with their credit card PIN