In South Africa, I tap to pay practically everywhere and no one ever looks at my phone (or prior to my getting Apple Pay, my physical card). In the last 12 mont

In South Africa, I tap to pay practically everywhere and no one ever looks at my phone (or prior to my getting Apple Pay, my physical card). In the last 12 months I had to insert my card for chip and PIN maybe twice. Speaking of chip and PIN, before tap to pay became prominent, people actually never touched my card, I would insert it myself (reducing risk of fraud) enter my PIN and all the merchant cared about was whether the the machine said “approved” or “declined” after doing an online check.