"Also the USA is still using cheques. They haven't even got to chip and pin yet. We are pretty much past that and onto contactless."
I'm not sure what you're talking about. All my cards have chips, and I'm in the US. And for several years, I've been living in an apartment which takes direct bank transfers for rent rather than paper checks. Landlords in my experience have been the last holdouts that don't want to stop using checks. Contactless payment I don't use, but I know it exists in the US because I see signs when I check out.
I'm not sure what you're talking about. All my cards have chips, and I'm in the US. And for several years, I've been living in an apartment which takes direct bank transfers for rent rather than paper checks. Landlords in my experience have been the last holdouts that don't want to stop using checks. Contactless payment I don't use, but I know it exists in the US because I see signs when I check out.