MasterCard has expanded its roadmap for EMV debit and credit card technology to include automatic teller machines (ATMs), according to CardRatings.com.

After October 2016, banks can hold ATM operators liable for fraudulent withdrawals and cash advances from debit and credit cards. EMV-enabled debit and credit cards require much more sophistication to clone, compared to the magnetic stripe cards.

Payment fraud usually shifts to the “least secure channel,” said MasterCard spokesman Mike Weitzman. With most merchants expected to adopt contactless EMV card readers before the end of 2015, ATMs could become a target for criminals who manufacture fake debit and credit cards using cloned magnetic stripe data.

The announcement gives banks, ATM operators, and equipment manufacturers more than four years to cycle EMV cards and equipment into circulation. Bank of America, PNC, Wells Fargo, Citi, and Chase have already started including contactless EMV chips in new debit and credit cards.

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