I'm pretty sure the merchant equipment is going to support either chip&signature or chip&pin, seeing as we already have signatures for credit card, and PINs for debit card transactions. The difference will be up to the card issuers. And I for one hate digital "esignatures" talk about all kinds of fraud waiting to happen with that bullcrap. I want to use either PIN or ink on paper signature. Make me use a screen to sign my name, and I'm signing it mickey mouse.