<instructions>Your goal is to analyze the following comment and estimate how highly it will be upvoted by the Hacker News community.</instructions><comment><author>Medowar</author><text>..just dont go to Germany. We are not very advanced in that regard.&lt;p&gt;Of course huge amounts of stores offer contactless paying, but generally Cash is still dominant around here. Change is slow, and currently, Cash is still king, especially with small or street merchants.</text><parent_chain><item><author>throwaway894345</author><text>I studied abroad in France in 2012--at this time, all European card readers had been chip-based for quite a while and my US credit card didn&amp;#x27;t have one. I couldn&amp;#x27;t figure out how to use them and many store clerks had no idea what to do with my magnetic-strip credit card.&lt;p&gt;I went to England in 2019, at which point cards in the US had been updated to use magnetic stripes, and everyone was using tap-to-pay. It turns out my credit card had tap-to-pay support as well but it wasn&amp;#x27;t widely used in the US (or at least in my sphere). Now it finally seems common-enough here.&lt;p&gt;I&amp;#x27;m planning another trip to Europe in the next year... Really eager to see what payments look like nowadays.</text></item><item><author>jacquesm</author><text>EU has contactless paying for a while now, but it uses a chip embedded in the bank card.</text></item><item><author>melling</author><text>The long slow road to contactless payments. Almost 2 decades along in the technology adoption curve.&lt;p&gt;I was ready for this in 2005.&lt;p&gt;&lt;a href=&quot;https:&amp;#x2F;&amp;#x2F;money.howstuffworks.com&amp;#x2F;personal-finance&amp;#x2F;debt-management&amp;#x2F;blink.htm&quot; rel=&quot;nofollow&quot;&gt;https:&amp;#x2F;&amp;#x2F;money.howstuffworks.com&amp;#x2F;personal-finance&amp;#x2F;debt-manage...&lt;/a&gt;&lt;p&gt;If course as the article points out, it wasn’t even new technology back then:&lt;p&gt;“ Not Exactly New Tech
Mobile introduced the Speedpass in 1997. Speedpass is a small device on a keychain (called a fob) that users wave in front of the Speedpass logo on gas pumps. The cost of the gas is automatically deducted from the user&amp;#x27;s Speedpass account”</text></item><item><author>sabjut</author><text>Clarification due to a somewhat confusing title:&lt;p&gt;This is about the merchant using an iPhone to accept credit cards and other Tap to Pay devices.&lt;p&gt;The customer was able to pay with Tap to Pay with their iPhone for a while now.</text></item></parent_chain></comment><story><title>Apple unveils contactless payments via Tap to Pay on iPhone</title><url>https://www.apple.com/newsroom/2022/02/apple-unveils-contactless-payments-via-tap-to-pay-on-iphone/</url></story>
<instructions>Your goal is to analyze the following comment and estimate how highly it will be upvoted by the Hacker News community.</instructions><comment><author>rozenmd</author><text>I&amp;#x27;ve lived in France since September, and I think I&amp;#x27;ve used cash... once? You can live entirely off using your phone&amp;#x2F;credit card to pay these days (if you don&amp;#x27;t frequent &amp;quot;cash-only&amp;quot; shops).</text><parent_chain><item><author>throwaway894345</author><text>I studied abroad in France in 2012--at this time, all European card readers had been chip-based for quite a while and my US credit card didn&amp;#x27;t have one. I couldn&amp;#x27;t figure out how to use them and many store clerks had no idea what to do with my magnetic-strip credit card.&lt;p&gt;I went to England in 2019, at which point cards in the US had been updated to use magnetic stripes, and everyone was using tap-to-pay. It turns out my credit card had tap-to-pay support as well but it wasn&amp;#x27;t widely used in the US (or at least in my sphere). Now it finally seems common-enough here.&lt;p&gt;I&amp;#x27;m planning another trip to Europe in the next year... Really eager to see what payments look like nowadays.</text></item><item><author>jacquesm</author><text>EU has contactless paying for a while now, but it uses a chip embedded in the bank card.</text></item><item><author>melling</author><text>The long slow road to contactless payments. Almost 2 decades along in the technology adoption curve.&lt;p&gt;I was ready for this in 2005.&lt;p&gt;&lt;a href=&quot;https:&amp;#x2F;&amp;#x2F;money.howstuffworks.com&amp;#x2F;personal-finance&amp;#x2F;debt-management&amp;#x2F;blink.htm&quot; rel=&quot;nofollow&quot;&gt;https:&amp;#x2F;&amp;#x2F;money.howstuffworks.com&amp;#x2F;personal-finance&amp;#x2F;debt-manage...&lt;/a&gt;&lt;p&gt;If course as the article points out, it wasn’t even new technology back then:&lt;p&gt;“ Not Exactly New Tech
Mobile introduced the Speedpass in 1997. Speedpass is a small device on a keychain (called a fob) that users wave in front of the Speedpass logo on gas pumps. The cost of the gas is automatically deducted from the user&amp;#x27;s Speedpass account”</text></item><item><author>sabjut</author><text>Clarification due to a somewhat confusing title:&lt;p&gt;This is about the merchant using an iPhone to accept credit cards and other Tap to Pay devices.&lt;p&gt;The customer was able to pay with Tap to Pay with their iPhone for a while now.</text></item></parent_chain></comment><story><title>Apple unveils contactless payments via Tap to Pay on iPhone</title><url>https://www.apple.com/newsroom/2022/02/apple-unveils-contactless-payments-via-tap-to-pay-on-iphone/</url></story>