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Why NFC on phones?
(sh.itjust.works)
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this post was submitted on 12 Apr 2026
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Asklemmy
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To add on what you said since it was the most complete answer, the first credit cards didn't start with a magnetic chip but had raised numbering that cashiers would emboss the numbering onto a carbon copy slip. The shop would keep two copies of the receipt and the customer would keep the third.
The switch to magnetic swipe on North America took a while because it required a phone connection to verify the card number. Europe switched to chips earlier than North America in part because a lot is stores didn't have the required phone/data connections for continuous use, so the chip was developed to be used in cases where there wasn't any connectivity with the card reader.