I have a low-cost/high interest rate account at one of the Canadian bank and each "assisted" transaction is $5. Frank -----Original Message----- From: NANOG <nanog-bounces@nanog.org> On Behalf Of Mark Tinka Sent: Thursday, November 08, 2018 3:35 AM To: George Michaelson <ggm@algebras.org> Cc: North American Network Operators' Group <nanog@nanog.org> Subject: Re: CVV (was: Re: bloomberg on supermicro: sky is falling) <snip. Speaking of "cost" as a motivator, in South Africa, most of the banks are now using extra fees as a way to force users to do their banking online (phone, laptop, app, e.t.c.). If you want to walk into a bank to deposit money, withdraw money, make a transfer, e.t.c., you pay for that service over and above, while the process costs you zero (0) when done online. This has led to banks now renovating banking halls into where there was once 23 tellers, you now have 1 service usher, 1 teller, 2 support agents and 20 self-service computers. I hope the U.S. does catch-up. If we were swipe-based here, we'd all be broke :-). I know a number of major merchants in the U.S. now use PIN's, and I always stick to those when I travel there. Mark.