[ericd]

Why would I want to have to pay mobile when I can carry a much more durable and less valuable piece of plastic that performs just as well and never runs out of battery?

[DanBC]

Ignore pay mobile - why stick with magnetic stripe and unchecked signatures when you could have chip and pin?

[akjj]

Because the cost of upgrading the infrastructure to do chip and pin has always been more than the cost of fraud associated with magnetic stripes.

[eli]

Well, and also that the people who get stuck with the bill for fraud are not the same people who pay for the infrastructure.

[dllthomas]

Is that actually the case? Who do you see making up each of those groups?

[kalleboo]

Then why was the transition done in Europe? Was there more fraud there?