this post was submitted on 02 Sep 2025
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Mfw the rest of the world just has bank transfers
nearly every bank in the US uses Zelle which lets you send money to another persons account with no fees, just using their phone number. for some reason people just prefer to use stupid shit like venmo.
Nearly....but some don't. And that is the problem. Other countries have bank transfer figured out and not dependent on voluntary adoption from a 3rd party service. I was very surprised when I learned how behind the US is on banking, even compared with some "3rd word" countries.
American tourists still get upset when they can't swipe and sign the receipt, and rant about how insecure chip and tap cards are.
I am so glad I don't work retail anymore.
I get the insecure argument about tap cards (don't agree but I get it), but how could chip cards possibly be considered more insecure than swiping? That makes no sense.
from a tech-oblivious standpoint, there is no difference between the two.
...oh wait you guys didn't do swipe+pin did you
Sort of. We did, it was just never mandatory and could almost always be charged on just a swipe. We got chip and pin about 15 years ago now, but they again didn't make it mandatory, so they kept the stripe. Honestly if they just got rid of the swipe we would be fine, but not every retailer has tap to pay and not every bank does chips yet.
It's a mess. The tech is there, fucking old people and idiots keep the stripe on the cards and because of that skimmers run rampant.
I am annoyed many banks got rid of the raised numbers, at least one store I went to (less than 5 years ago) lacked internet and phone connectivity, now they have to write the numbers by hand.