BBC Radio 4's Money Box will be broadcast on Saturday, 1 January, 2005, at 1204 GMT.
Is that a real person on the other end of the phone?
The programme was repeated on Sunday, 2 January, 2005, at 2102 GMT.
Chip and pin is not the only the security measure being introduced to cut down on card fraud.
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What you said about Adeptra and other methods being used to tackle fraud
Three banks are using computers not only to identify unusual transactions but also to call the card holder to check they really did make the purchase.
The technology has been developed by a company called Adeptra.
Samantha Washington investigated.
2005 investment predictions
What does the next year hold in store for the value of your home and your other investments?
We invited the experts to give their opinion on the year ahead.
We were joined by:
Justin Urquhart Stewart, Seven Investment Management
Amanda Davidson, John Scott & Partners
Kerry Hanson, Nationwide
Interest-free art loans
The Arts Council has launched a scheme to encourage more people to invest in art.
Potential buyers will now be able to get an interest-free loan of up to £2000 to invest in a contemporary work.
Money Box visited the New Gallery in Birmingham to speak to owner Colin Addy about the scheme.
Important changes to E111 forms
The document which entitles European travellers to medical treatment whilst visiting EU countries is changing from 1 January.
Any E111 form issued before 19 August, 2004, will no longer be valid. And in future every family member will need their own form, which can be obtained from the Post Office.
But remember, E111 is not a substitute for travel insurance. You should still have that as well.
Presenter: Paul Lewis
Producer: Jessica Dunbar
Reporter: Samantha Washington