October 1 marks the one-year anniversary of the U.S. officially transitioning to chip technology. The upside? We’re already seeing a decline in counterfeit fraud at chip-enabled merchants. Still, some consumers are a little confused about the benefits of chip card technology and how it works. But help is on the way! Personal finance expert Stefanie O’Connell took to the streets of New York to set the record straight on why chip technology is making the U.S. payments system stronger, more secure and ready for the next generation of payment innovation.