Fascinating - and I always wonder how much that experience is geography-specific. I've noticed that Canada has had chip cards for years while US was signature-

Fascinating - and I always wonder how much that experience is geography-specific. I've noticed that Canada has had chip cards for years while US was signature-based; and have than had tap-to-pay credit card standard for years as US catches up with chips. Here, it's at the point where I feel quite bad and socially pressured if I "have to" use cash for whatever reason, because I know I'm delaying the line up behind me. Credit card is usually 2-3 seconds tap and you're done, whereas cash means I have to find it, cashier has examine it, to enter the denomination into the cash register, hit button to open the cash drawer, collect the correct change (which could be a combination of bills and coins), and give it to me, close the drawer etc - minimum of 15-20 seconds per transaction. In a line up of 10, that's 3-4 minutes; in a large busy store, it can really add up.