One in five people using the new chip and pin credit and debit cards is still signing for goods rather than using a pin number, research has suggested.
Chip and pin machines aim to cut fraud
From 1 January, retailers can refuse to accept signatures if the customer has a chip and pin card.
According to research by card provider Visa, 20% of people are not using their pin because they haven't memorised it.
Some shoppers blamed lack of enthusiasm from shop staff, while others said the new system made them nervous.
Anecdotal evidence suggests there are also some cardholders who are not using the new facility because they do not believe their banks have told them how to.
Three in five cardholders now have a chip and pin card, a new payment system aimed at combating card fraud.
USING CHIP AND PIN CARDS
Card is inserted in chip and pin terminal at checkout
Check the amount on the screen
Enter your pin on the keypad
You will be given a receipt
Chip and pin cards include a "smart" chip, a better way of storing information than the existing magnetic strips.
And when shoppers pay with a chip and pin card, they are asked to enter a four-digit number instead of signing a receipt.
The aim is to switch all UK cards to chip and pin by the end of 2005.
A similar programme was launched in France more than a decade ago which led to an 80% drop in card fraud.