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Money and Finances
Reply to "Wells Fargo issuing a new debit card every 6 months? "
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[quote=Anonymous] A technological shift is needed to fix this issue, and banks/merchants haven't made it happen. The chip-and-pin method used elsewhere is much more secure because when you make a purchase, you aren't providing the seller with *all* the information they need to make further purchases on your account. For some reason there seems to be wider support by US banks for Apple Pay -- because it uses one-time codes and doesn't reveal your account number to merchants, it is much more secure than the current system. Apple managed to convince the banks it is secure enough that the processing fees are the same as if the card is present. But it'd be a shame if you had to buy an Apple product to do secure transactions. I hope the industry steps up and creates open standards for secure payments. [/quote]
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