I strongly believe that each method has its advantages and disadvantages. There is no such thing as a completely secure system and anyone claiming otherwise would be like Apple logo! Do not doubt! The challenge facing us today is greater when governments are also involved in these cases. Let me give you an example: you have imported payment devices from China and they are defective and allow theft. I have seen such systems. I have seen payment devices imported from China that enabled theft after swiping the customer's card and lost money from this process. Challenges in having a secure payment system is really a big challenge.👍