It's like how Apple managed to pass off Apple Pay as a huge innovation because the US has such outdated payment processing infrastructure. When I go to the states chip & pin is still considered exotic - I'm signing a receipt about 50% of the time. Meanwhile Canada has had "tap to pay" credit cards since at least 2009 [1].
[1] https://www.itbusiness.ca/news/contactless-payments-set-to-t...