From: Adam Flinton 

Dave Ings wrote:
> From an end user perspective, this seems to be essentially indistinguishable
> from using a debit card. Except perhaps that I no longer have to deal with a
> bewildering assortment of debit PIN keypadss, each slightly different than
> the next.
>
> Is that the case? If so, what's so novel about this?

 From an end user pov that is true. From the card issuer pov it offers a
lot more.

Adam

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