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Here in New Zealand we've had the Chip 'n pin for a while, our POS terminals handle both magstripe for Eftpos/older credit cards and the chip. there's even circumstances where you can use the magstripe on the chip/pin card. I received notification the other day that my bank was replacing my eftpos card with a chip/pin debit card so will use both magstripe or chip and I can shop online with my own money... not too sure if I'm cool with that. I dont like the idea of the NFC (paywave) part of the card, going to line my wallet with tinfoil (real tin, never trust the aluminium junk!) when it arrives... if someone doesn't steal it from my mailbox first.