[rjv]

I try to use Android Pay when I can just for the security benefits of the one-use tokens. Sometimes it's easy, other times it takes forever.. particularly if my cell reception isn't great in the store. Once all stores truly make use of the card chip in the United States, I'll probably just use that because it's essentially the same thing. At this point probably 95% of the stores I shop at still want me to swipe the card rather than enable the chip receiver.

[gst]

Same here. I don't care about the convenience, but mostly about the security benefits. In the past 4 years I had to get two credit cards and one debit card replaced after fraudulent charges / fraudulent ATM transactions. Yes - as a customer I'm not liable for those charges, but it's still annoying if it, e.g., takes a few weeks until your bank refunds you the hundreds of Dollars that someone withdrew from your checking account.