Chip and PIN as a method of payment has been in the UK for a couple of months now, and according to all the major card companies is the most secure system so far.
According to this info on UK government website crimereduction.gov.uk, the initiative is costing £1.1billion. This to combat plastic fraud which in 2002 cost £424.6million in the UK.
Since 1st January stores not using chip and PIN get less protection and insurance against fraud. This was used as the “incentive” to buy in early.
So what’s it like to use?
Not a great user experience for me so far. And canvassing opinion in a quick straw poll friends agree.
It wouldn’t take a lot to improve it. Train staff better. Make it easier for customers to use, no awkward leaning over the sweet rack on the sales counter…
I was just wondering why we don’t seem to have benefitted from what other countries have learnt.
Compared to France, where they’ve used chip and PIN for years, we’ve got a lot of catching up to do. There the “PIN pads” usually have hoods which cover your hand enough so that others can’t see what your PIN is.
Here in the UK all the machines I’ve used so far are more like overweight pocket calculators.
They’re rarely on long enough leads, so you find yourself punching numbers in to the thing while it’s dangling in mid-air or being held by the sales assistant or waiter, many of whom seem bewildered by the new technology themselves.
I make a point of covering my number punching hand with my other hand but for some reason it all feels quite self-conscious, even though that’s what all the advice says.