I wish i could switch but bank apps and contactless payments keep me on stock pixel.
(you can use gboard, that was just an example - but it's always these small inconveniences, just like in the chrome vs firefox threads)
[1] https://privsec.dev/posts/android/banking-applications-compa...
When chip and pin was first rolled out, Europeans were shocked by the low security of swipe cards in the US. The reason that wasn’t an issue for Americans was (and still is) that credit cards have excellent fraud protections.
If someone steals my credit card, it is the bank’s problem, not mine.
The risk of paying by debit card on a regular basis is unfathomable to me, even with fancy tech to try to make it secure.
Your comment on the risk of paying with debit cards surprised me. I've never considered it a risk at all. It made me realize that perhaps here (in the Netherlands) we have consumer protection systems in place, in addition to the payment systems, that prevent any issues.
This is an Americanism, my European debit card had consumer protection clauses pretty much on par with credit cards.
And yes, phone NFC payment is one of those technically unnecessary conveniences that's really easy to get used to. You probably already have your phone out or at least accessible in like one second, paying with it instead of pulling out your wallet and finding a card or even cash is just sooo nice. I hate that I've gotten this used to it.
That being said, you can still get NFC payment on a rooted or reflashed phone. Instead of Google Wallet, find a bank or card provider that has their own app. I use the Curve "proxy card" and it works fine.
I also see a lot of people struggling because they need to pay while being on a call or because their smartphone is just way too big to be handled comfortably with one hand given the size of their hands.
Physical CC can be used by anyone holding it or actually just standing close.
Contactless payment with phone only after the phone is unlocked().
Physical card contactless payments have a limit (don't remember it) after which you have to use it with pin. At least all mine. Boring. Payments with apple/hoogle/Garmin have higher transaction limit.
I could probably go on longer but these are for me.
() I know it can be done without, but it also can be done with.
If I'm going out I'll have both a debit card and cash in my wallet. Given that large scale outages of payment networks are no longer theoretical but to be expected, not carrying cash is just silly. Since I have a wallet in any case, I see no point in using contactless payments on a smartphone — I usually don't take it with me when getting groceries.
I have no idea if I can even do contactless phone payments on GrapheneOS, but since everything else works (including my bank's app), I don't care.
Such sweeping statements are impossible for "Europe". It's a big place. Plenty of people use credit cards in supermarkets. But it's orthogonal to the discussion. A creditcard can be contactless or on a phone. Or on a watch.
https://n26.com/en-eu/blog/taboo-of-credit
That article lists some reasons why using a credit card doesn't make sense in most European countries. It's not a way to build up your credit score for one. As a Dutchman, the only way I can lower my credit score is by taking on debts (with the exception of a mortgage).
The US is a big place too. I am fairly comfortable in making the sweeping statement that credit cards are a thing used by many people there.
Nonsense. It's hard to find actual statistics on the number of credit cards, but it's obvious that the Netherlands are an outlier, with a paltry 0.02 credit cards per capita, vs Luxemburg's 3.98 (wtf). If I filter out the non-EU countries from the dataset below, I end up with 0.5 credit cards per capita. That's nowhere near "not a thing for most people". They're just "not a thing" in NL. Big difference.
https://www.statista.com/statistics/1395502/credit-cards-in-...
The median seems to be 0.25 cards/capita. Your own source already ~agrees that they're "not a thing for most people" (if we're really pedantic we can start looking at populations of those countries), but to find a more realistic estimate for the percentage of the population who use credit cards we would have to divide this figure by the average number of credit cards among people who have at least one.
In the EU we have some rules that even contactless payments with card sometimes, but not always, need to have some kind of additional authentication in the form of entering your PIN. Contactless payment methods via phone or watch don't have this need because they already have their own authentication methods. That's why so many people pay with their phone or watch. Its just more convenient and always contactless. (no PIN needed)
How is it in the US? Are things like Apple Pay still limited to certain stores?
We do not use pins with credit cards here, so that isn't a distinguishing feature of phone pay.