DES MOINES, Iowa (12/20/10)--Aris Jerahian, vice president of client relations for The Members Group (TMG), takes a look at the driving forces behind what many are calling an inevitable U.S. adoption of chip-and-PIN technology to support the Europay MasterCard, Visa standard (EMV), in a newly released white paper. “There are indications from several ends of the payments industry spectrum that U.S. adoption is considered likely--if not inevitable,” Jerahian writes. Among the indicators Jerahian discusses are the U.S. as the path of least resistance for fraudsters, the Fed’s recent formation of a forum to examine EMV, and the development of mag-stripe bridging technologies. Jerahian also describes how American financial institutions can learn from early U.S. adopters, like TMG client United Nations FCU of New York, and lays out four questions every financial institution should ask of its processing partner before following suit. TMG is owned by Iowa credit unions and their members.