There’s additional tools for e-commerce transactions like 3DSecure (step up authentication like an OTP) and passive identity verification tools.

The US uses chip and signature, no joke, because the banks didn’t think people could remember another PIN.

This is an EMVCo chip card, and not an American one so it’s chip and pin most likely. Without getting too detailed, the chip generates a one time use code for each transaction, so just having the number wouldn’t help with cloning the card plus you also would need to know the PIN. Although skimmers still exist and physical card theft is a thing, it’s less common especially in markets that use chip and pin.

Banks charge higher fees for credit transactions to fuel the loyalty programs (flyer miles, cash back, etc) on those cards. This is why you no longer get any loyalty benefits on debit cards but you still do on credit. The fees don’t cover the risk on credit cards , the interest does.

From the federal reserve directly : https://www.federalreserve.gov/aboutthefed/boardmeetings/frn-reg-ii-20231025.pdf Also, I guess what I meant is, the cap used to be 45 cents, and when it was reduced to 21 cents, there wasn’t some massive reduction in prices of products for consumers. Merchants just pocket that difference.

Check out FedNow. Basically a domestic government run payment system. Still pretty new and growing.

Fwiw debit card transaction are capped around 21 cents per transaction depending on the size of the bank holding the account. You’re right for credit cards though. Also, imho, I’ve never seen merchants pass along these debit card savings to the consumer. With they would though.

Wish I could upvote this twice.

It’s worth “comparison shopping” with search engines. Run some common queries on multiple engines and see which ones fit what you like. Google takes up a lot of the mindshare for sure, but there are absolutely other options that will probably surprise you with how good they are.

On one hand, sure just a meme. On the other, it may not be ADHD that’s causing these symptoms and getting a professional diagnosis will help with treatment regardless of what’s going on.

Knowing Google, they will be fixed when the phone is released then broken after the first software update and never addressed again.

…annndddd it’s gone. - Google killing this feature in 18 months.

Fwiw the mayoral election that resulted in Eric Adams was ranked choice.

Kinda a clickbait title, still concerning.

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Light rail is good too, but NJT buses and trains are brutal.