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.