USA is stuck in the past with credit card technology, much to the detriment of Americans traveling abroad

This always sounds like something out of Mad Libs:

“USA is stuck in the past with ( noun ), much to the detriment of Americans ( verb ) ( noun )_.

The couple’s cards, which rely on magnetic-stripe technology for transactions, lacked an embedded microprocessor chip, which stores and processes data and is now commonly used in Europe. Such chip-based cards — commonly referred to as chip-and-PIN cards because users punch in a personal identification number instead of signing for the purchase — offer an extra layer of protection against the theft of cardholder data and counterfeiting, and they are designed to replace magnetic stripe technology and signature payments.

The chip-and-PIN technology usually isn’t much of an issue when making purchases at a store, or paying for a meal in a restaurant, as most of those merchants still have credit card terminals that can read the magnetic stripes. Likewise, A.T.M.’s typically recognize and accept many cards whether they have a chip or a magnetic stripe.

But American cardholders have had their cards rejected by automated ticket kiosks at train stations, gas pumps, parking garages and other places where there are no cashiers.