Interesting read on debit/credit card usage:
https://www.ecb.europa.eu/pub/pdf/other/4th_card_fraud_report.en.pdf
Snippet:
As in previous years, this report shows that levels of fraud were lower
in the euro
area than in SEPA as a whole. Data on fraud and transactions using cards
issued
inside and outside SEPA show that fraud losses incurred outside SEPA on
cards
issued inside SEPA were lower than losses incurred inside SEPA on cards
issued
outside SEPA. The finding suggests that SEPA residents benefit from the high
security standards of their cards, even though only a small proportion
of ATMs and
POS terminals outside SEPA make use of the enhanced security features.
However,
the drop in counterfeit fraud levels for cross-border transactions
performed at
terminals in non-SEPA countries compared with 2012 is in line with the
increasing
migration of terminals to EMV standards at a worldwide level.