TAH,
Malware is very sophisticated. The transaction cannot be completed without the PIN#. So the transaction center would have to have access to the PIN, which the malware can capture. The systems are only as secure as the programmers who wrote the code. And there is some bad code out there.
Also look for an increase of "ransome-ware" - cyber security will become a big topic this year. That is why I am asking those coming here to call their company and ask about the Brazil transaction center. It seems the problem is there since local transactions are unaffected. That is simple deductive reasoning....
