Later this month, Visa, Mastercard, Amex, Target will no longer require signatures to complete credit card transactions. Walmart and other credit card companies and retailers will soon follow. It’s a new ball game now that cards are embedded with computer chips. Signatures are becoming extinct. Personal checks are on their way out. Could genuine handwritten notes be next?
Signatures have been part of our human identity and creativity for thousands of years, dating back to the Sumerians and Egyptians. The English Parliament elevated the status of signatures in 1677 by enacting the State of Frauds in 1677 Act which required all contracts to be signed. By 1776, when John Hancock signed the Declaration of Independence, the signature was in its full glory for binding a contract and exhibiting the signer’s creativity. Fast forward to 2000 when President Bill Clinton signed the E-Sign Act paving the way for eSignature technologies to use digital signatures to sign contracts.
Credit card companies, which cover the costs of credit card fraud, started adding microchips more than a decade ago to reduce fraud. Prior to chips, most retailers required signatures on all purchases and could be held liable (for a fraud) if they failed to notice that the signature on the receipt did not match the one of the back of customer’s card.
Then, with online shopping, card networks started the transition to eliminate signatures. Typically, purchases less than $25 or $50 did not require signatures. However, some card issuers continued to require signatures, so many merchants just kept getting signatures on all transactions. Now, with chip technology leading the way, the card networks are indicating that signatures are obsolete. This will speed up the checkout line, which will make everyone happy.
Some merchants may continue to ask for signatures. Some believe customers have the signature built into their muscle memory of the purchasing process. Further, they are concerned that eliminating signatures might impact workers’ tips. Lastly, some like to keep the signature as evidence that the customer received the services or goods when fighting fraud claims.
Even so, signatures are becoming extinct and will be likely be reserved for special situations, like a house purchase, a marriage license or birth certificate. Even celebrity autographs are now being replaced by “selfies.”
Which leads us to genuine handwritten notes. We know how important a handwritten “Thank you” or sympathy card is. Like homemade bread and hand-knitted socks, handwritten notes make a huge impact. Unfortunately, all of us are pressed for time. Not to worry, you can now fake a handwritten note using online services:
Handiemail. You type a letter, send it to Handiemail with the address of the recipient and $10. Within a couple of days, your letter, handwritten on specialty paper and hand-addressed in a premium envelope with a first-class stamp is delivered.
Inkly. With Inkly, you select a card design, type your message, snap it with your phone, upload to the app and Inkly sends it out for you.
Bond. Starting at $3, you can send an elegant handwritten note with a choice of five handwriting styles to be delivered to the recipient in a suitably classy envelope. Also, for $500 you can visit a Bond HQ where staff will help you improve your own handwriting.
Handwrytten. This is another app which offers a range of classy cards, which the company considers “hipster-friendly, limited-print letterpress designs.” Each letter created has “truly organic effect.”
Yes, keyboards seem to be replacing pens. A recent study showed that one of three respondents had not written anything by hand in the last six months. On average, they had not put pen to paper in the last 41 days. With information technology, handwritten copy is fast disappearing.
However, there is some pushback. Pens and keyboards apparently bring into play very different cognitive skills. “Handwriting is a complex task which requires directing the movement of the pen by thought,” according to Edouard Gentaz, professor development psychology at the University of Geneva. He continues, “Children take several years to master this precise motor exercise.” On the other hand, operating a keyboard is a simple task; easy for children to learn.
In 2000, work in the neurosciences indicated that mastering cursive writing was a key step in overall cognitive development. Studies have also shown that note-taking with a pen, rather than a laptop, gives students a better grasp of the subject.
IT continues to change our world. Yet, Professor Gentaz believes that handwriting will persist, “Touchscreens and styluses are taking us back to handwriting. Our love affair with keyboards may not last.” Time will tell.