We got credit cards with chips way after Europe. We don't have anything close to GDPR because enough voters don't understand data privacy (and ofc regulatory capture).
> We got credit cards with chips way after Europe.
That was largely due to POS terminals in gas pumps — we have LOTS of gas pumps and the POS devices in them aren't uniform or inexpensive. When I worked on payment systems the resistance was from the merchants, not the consumers.
Where research (and experience) has shown some degree of consumer dissatisfaction is with entering PINs, which is why chip-and-PIN credit cards aren't commonly seen in the US. Even in countries where it's commonly used, you generally only require the PIN over a merchant-set amount.
That was largely due to POS terminals in gas pumps — we have LOTS of gas pumps and the POS devices in them aren't uniform or inexpensive. When I worked on payment systems the resistance was from the merchants, not the consumers.
Where research (and experience) has shown some degree of consumer dissatisfaction is with entering PINs, which is why chip-and-PIN credit cards aren't commonly seen in the US. Even in countries where it's commonly used, you generally only require the PIN over a merchant-set amount.