Hi Karen, we would slightly disagree looking at the Australian data from down under, where Chip&Pin EMV is now mandatory and has been rolled out for years. This is regarding your comment “Even in
places where people have contactless capabilities available to them, unless
they use it frequently, they just don’t get into the habit of using it at all.”... 69 per cent of Australians actually own contactless cards... Almost one in two Australians use "tap and go" - 43 per cent in September 2013 compared to 36 per cent in July last year and it is growing heavily according to: http://www.news.com.au/finance/money/australia-hooked-on-tap-and-go-payments-visa-paywave/story-e6frfmci-1226821426268

Cheers
The Mint Payments Team