Last year I was issued a new credit card that the chip and the old strip. In some places like Wally World I had to slide in the slot that reads chips. Other places with older machines I slid the conventional way to read the strip.
About six months later they cancelled that card and sent me a replacement with NO CHIP! I figure this means the chip had some drawbacks they way they had implemented it.
Give everyone a one time pass code reader. You have your debit or credit card pin, then you enter a pin that is generated off your FOB. It is one time only so the only fraud that can happen is your FOB is stolen and you are forced to give up your secret pin.