[Crito]

I think that one of the problems for chip and pin adoption in the US is that there isn't a compelling reason for US consumers to desire it.

Credit card fraud might be a pain-point for merchants, but it simply is not for consumers. On the rare occasion that somebody makes a fraudulent purchase on my credit card, my credit card company flags the transaction. In the exceptionally rare case that this fails, I just call my credit card company and tell them that the transaction was fraudulent. Takes no more than 5 minutes, and I can count the number of times I've had to do it in the past 10 years on one hand.

Why then would I want the hassle of punching in a PIN? I'm a consumer, not a merchant. I don't care about what benefits the merchant gets out of it.