Much like the weird Fahrenheit debate, Americans have yet to accept Chip-and-PIN debit and credit cards. The added convenience of swiping and signing does not - can not - outweigh the benefits of added security. I find the amount of time it has taken for the United States to accept the Chip-and-PIN card to be astounding, especially considering the massively pervasive NSA scandals.

On another note, I'm interested to see how breakthrough payment system companies like Coin and Square deal with the October 2015 change. They have oodles of time to adapt their products to the new payment system, but I am curious as to how they adapt.

It'll be a fun year and a half in the payment system arena.