I've had chip-and-signature on credit cards for years here. What changed this year was that the issuing banks shifted liability to the retailers, but only if th

I've had chip-and-signature on credit cards for years here. What changed this year was that the issuing banks shifted liability to the retailers, but only if the retailers don't support at least chip-and-signature. Meanwhile, in April one of my cards reissued and now does chip-and-PIN. I've been to Europe twice since then and enjoyed, for the first time, being able to use the automated ticket kiosks in train stations.