This article is from PCMAG.com and is about MasterCard and Visa moving U.S credit cards to “Chip-and-Pin” by 2013. Chip and PIN technology allows consumers to slide in a credit card with an embedded security chip inside, and then enter a 4-digit PIN. Putting U.S. credit-card payment technology onto the same technological footing as other regions will mean fewer headaches for overseas travelers. This new system of security is widely popular in Europe and many U.S. credit card companies are planning to implement this system into their cards by 2013. These companies are moving toward a world beyond plastic, where consumers will shop and pay in a way that best fits their needs and lifestyles with a simple tap, click or touch in stores, online or on a mobile device. This allows for customers and shoppers can purchase items on their needs using items they are familiar with like their smart phones. I believe this is a great idea because it will protect customer’s credit and make things easier for customers. This is a great way to enhance security with credit cards and online shopping and overall protecting your money and your identity. Many companies in Europe like MasterCard and Visa have already installed this security system into their cards and it has been tested and proven to work. The main focus of this technology is to make electronic payments safer and more reliable. I believe this will be a transformational change that will completely change the way that U.S. citizens shop and complete payments. This has already been proven in Europe and there are many satisfied customers all across the continent. If we were to adapt this technology overseas this will be very helpful to all of the citizens in the U.S. Many U.S. citizens are already comfortable with the use of smart phones and this will add another dimension to smart phones and will allow for everyone to be more comfortable making electronic payments. I know that some super markets have installed this kind of technology into their customer shopping experiences. They use their smart phones to scan their items and then scan the phone at the register to pay for the items. This shows that Americans will be able to adapt to this technology because some are already used to this new way of making electronic payments.