A RBI panel has recommended that banks should put in place secure systems to check Debit and Credit cards frauds.The panel has suggested that all transactions through such cards should have a Personal Identification Number, PIN, as an additional factor of authentication. It has called for putting in place this panel's report in a year's time. The panel also recommended that in case of unique identification (UID) based biometrics is adopted, then the ATMs and Point of Sale, POS, terminals should be enhanced to accept biometrics.AIR correspondent reports that there are about 24 crore debit card users and 1 crore and 80 Lakh people have credit cards in the country.