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I live in a developing country (some call it third world) and we've had this capability for many years. I can pay from my computer, mobile, or at an ATM. How is the US so far behind the rest of the developed and developing world?


They only just got chip and pin cards, while everyone else is moving to contactless payments.


A lot of US banks have actually opted for chip and signature instead of chip and pin...


Which is almost pointless, I never had a signature checked against a card when they were widely used here. A PIN is always checked.




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