I think part of it is chip & signature vs chip & pin UX because this doesn't seem to be an issue in Europe (I also remember their chip reading being significant

I think part of it is chip & signature vs chip & pin UX because this doesn't seem to be an issue in Europe (I also remember their chip reading being significantly faster...but maybe that's an illusion?). There's a story about the Houston airport where people complained that their luggage took too long at the new terminal. They created a longer route for people to walk from the plane to the luggage carousel and the complaints went away. If I remember correctly, with chip & pin you put in the card, type your pin, then remove your card. With chip & signature you put in your card, wait, after a receipt is printed out (or the screen prompts you) you scribble something that may or may not resemble your name so you can leave. Personally, I want to use ApplePay/GooglePay but it's slower and more awkward only because I'm not sure if the terminal accepts it. I can get out my wallet and my credit card knowing it'll be accepted. With ApplePay/GooglePay I have to wait, possibly put my wallet away, pull out my phone and pop up the screen.