[catchmrbharath]

I have been guilty of sharing the PIN in restaurants, when they don't have wireless terminals (which happens very rarely). There are a couple of reasons why I didn't feel it was a security hole.

1. All Indian cards are chip cards, hence they cannot be replicated (or not replicated quickly)

2. I get a transaction message immediately. I know exactly how much money was charged into my account.

3. My credit card cannot be used anywhere to make a transaction > 20$ without a 2 factor message to my phone.

All these security ideas are built into the system and its not opt in.