[spydre100]

I disagree. These systems will just take over as by design they are like a Trojan horse. Sure i think that Europeans are less easy going than their us counterparts, none the same I think these apps will take off with or without a pin. Furthermore once you have signed and paid once your card details are securely stored and their is no need to use it ever again. Just like purchasing on-line you can just use a consumer app to make payment with out the need for the card - and as such the pin and even signature is irrelevant!

[objclxt]

You need to bear in mind that in most of Europe there was a large advertising campaign when Chip & PIN was introduced, along the lines of "signatures are very insecure, so we're introducing Chip & PIN". So there may well be some resistance from users who have been educated to understand that at point-of-sale they should be using PINs. There may well be people put-off with signing rather than using a PIN.