In the United States, there is minimal incentive to do so. It took many years to transition away from magnetic stripe cards to pin+chip. IIRC, the regulators ke

In the United States, there is minimal incentive to do so. It took many years to transition away from magnetic stripe cards to pin+chip. IIRC, the regulators kept pushing back the date for banks to re-issue pin+chip cards and for merchants to begin accepting them. I think it was only when the processors began to threaten merchants with 100% liability for fraudulent transactions processed with mag stripe is when it started to hit critical mass (2015-2016?).