Comment by gok

To those asking “Why doesn’t the US use chip+PIN?” there is a good article from the same source: https://krebsonsecurity.com/2014/10/chip-pin-vs-chip-signatu...

Basically: the form of fraud it protects against is very rare in the US, and consumers find memorizing another number painful. Europe adopted chip+PIN not because anyone really wanted it but because it was mandated by law. It’s unclear that it has actually been effective.