>Adding pins to checkout process adds friction and checkout time. It might be a minor amount per transaction. However if you add it up across all transactions, it's a significant amount.
Uuuuuh...
The rest of the world has been doing this for at least a decade without any problems at all. You got any kind of citation you can link us to demonstrating that the rest of the world is suffering from this decision in a way that the US is not?
If "someone else" is referring to the cashier, the customer uses the payment machine themselves. In PIN using countries the waiter brings a machine or you step over to the front counter.
If someone else is your spouse, kid, or personal assistant; you tell them the PIN or ask the issuer for an authorized user card.
Well, you don't. But I wouldn't have a problem with my partner using my card, in which case I just give them my pin? On the other hand, that is(or should be) literally impossible with signature.
I...don't. Ever. Why would you do that? That's terrible.
I usually transfer them the money through the free, instant, secure and traceable inter-bank transfers that are universally provided by every financial institution in my country to every other financial institution in my country, so that they can use their own card.
Uuuuuh...
The rest of the world has been doing this for at least a decade without any problems at all. You got any kind of citation you can link us to demonstrating that the rest of the world is suffering from this decision in a way that the US is not?