[Huntsecker]

think its a Europe thing, we have the same solution in Denmark. Chip and Pin has been in Europe forever I don't think the US has moved to this yet (although happy to be wrong) and also believe they still like those bouncy checks that has sort of died elsewhere.

[pixelesque]

UK Banks like Barclays also had the small electronic credit card sized device from around 2011 or so (and now use the Mobile app for that), but other UK banks like Halifax are still doing passwords (they even have a limit of 18 chars) and just ask you for random characters of memorable words, so there's a big inconsistency even within a single country.