We opted fo chip-and-sign over chip-and-pin, so it's probably safe to assume that everything we do is a touch less smooth and safe. Then again, we don't really

We opted fo chip-and-sign over chip-and-pin, so it's probably safe to assume that everything we do is a touch less smooth and safe. Then again, we don't really the regulation framework for making me feel like cell phones are a safe way to move money around. (Because I have trust issues with tech.)