In my USA experience, it's not the actual 4-6 seconds that my chip card transactions take,
it is the sluggish and confusing UIs on the terminals that fail to immediately note the card is present,
then appear to go blank, then display a poorly drawn "do not remove the card" splash,
which was obviously an afterthought added when the terminals were put in front of actual users.
The UI problems are obvious, as everywhere I go there are hand-drawn warnings and instructions taped to the terminals, because the device itself isn't clear or obvious.
That's why a well-thought UI like Apple Pay appears effortless in comparison.
And *why* is the chip slot located at the bottom of these terminals, at a weird angle almost parallel to the counter?
The hand motion required to position the card is uncomfortable and out of my sightline.
Why isn't there a "dip" slot at the top of the terminal, where the card could be inserted vertically?