Threats:
-	Skimming -> Card + PIN
-	Card stolen, card lost
-	Buying Online
-	Buy contactless 
-	Social Engineering
-	Terminal manipulation
Countermeasures:
-	PIN + try limit
-	Tamper resistant terminal 
-	Activating of cards after mail send
-	2nd factor with Internet shopping (e.g. BankID)
Mitigation:
-	Withdrawal / payment limit
-	Block card