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Re:Offline card payments should be possible no later than 1 ... by mercutio2 on Saturday October 04, 2025 @07:45PM (#45477755)
Are you sure Europe has less credit card fraud? When is your data from?

The US has a much less secure system specifically because there was much less credit card fraud in the US than in Europe.

Chip and PIN was an attempt to combat the rampant fraud in Europe.

It may be true at this point, I haven’t been tracking recently, but it wasn’t in the past.

Re:Offline card payments should be possible no later than 1 ... by jrcplus on Wednesday October 08, 2025 @07:34AM (#45514937)
Another factor: I'm pretty sure it's more common that people have debit cards than credit cards in Europe, which equals less credit card fraud.