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@@ -249,9 +249,9 @@ the same anti-forgery protections that are in place for cash.
Against most attacks, customers and merchants {\em limit} their risks
to the amount of cash that they carry or accept at a given
time~\cite{Bankrate}. Additionally, customers are advised to choose
-the ATMs they use carefully, as malicious ATMs may attempt to {\em
- steal} their customer's credentials. Authentication with an ATM can
-involve a special ATM card, or the use of credit or
+the ATMs they use carefully, as malicious ATMs may attempt to
+{\em steal} their customer's credentials~\cite{ECB:TRoCF2014}. Authentication with an
+TM can involve a special ATM card, or the use of credit or
debit cards. In all these cases, these physical security tokens are
issued by the customer's bank.