JPMorgan Chase & Co. Ultimate Rewards Director Dina DeMerell Interview [Getty Images]

Dina DeMerell, director of the Ultimate Rewards and EMV Chip programs at JPMorgan Chase & Co., listens during a Bloomberg Television interview in New York, U.S., on Thursday, Oct. 1, 2015. DeMerell discussed the impact of the EMV chip, a small computer chip in the front of a credit card that lets the card and the card reader engage in a digital conversation, sometimes called a handshake, to authenticate the transaction. Photographer: Chris Goodney/Bloomberg via Getty Images

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