It enables the following: - less liability for the merchant - either the transaction was explicitly approved or wasn't - sense of security for the user

It enables the following: - less liability for the merchant - either the transaction was explicitly approved or wasn't - sense of security for the user - card never leaves you - if you ever lose the card it doesn't matter - there's no reason to sign anymore (less opportunities for fraud) I can't quite put my finger on it but it does change the dynamic between wait staff & consumers when you're out dining - it just makes things simpler & you have to wait a lot less when you decide to leave.