&gt; 3. Chip &amp; pin has been required for quite a while now, contactless cards are extremely common.<p>Due to the way this was implemented in Europe and the fraud it enabled[1][2], I wouldn&#x27;t consider it any sort of plus.<p>1: <a href="http:&#x2F;&#x2F;www.wired.com&#x2F;2015&#x2F;10&#x2F;x-ray-scans-expose-an-ingenious-chip-and-pin-card-hack&#x2F;" rel="nofollow">http:&#x2F;&#x2F;www.wired.com&#x2F;2015&#x2F;10&#x2F;x-ray-scans-expose-an-ingenious...</a><p>2: <a href="https:&#x2F;&#x2F;news.ycombinator.com&#x2F;item?id=10414375" rel="nofollow">https:&#x2F;&#x2F;news.ycombinator.com&#x2F;item?id=10414375</a>