According to Wikipedia, the PIN domestic payment network was discontinued in 2012 in favor of Maestro and V-pay debit cards. The main problem with this is that

According to Wikipedia, the PIN domestic payment network was discontinued in 2012 in favor of Maestro and V-pay debit cards. The main problem with this is that many countries, even within the EU, don't really issue Maestro and V-pay cards, but rather proper MasterCard and Visa (debit) cards. In my experience it wasn't an issue in Amsterdam. In Brussels on the other hand, I came across a couple places where I could only use my Maestro card. That said, the unbanked/underbanked population is probably a lot smaller than in the US.