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IEEE/ICACT20260106 Slide.03        [Big Slide]	Oral Presentation
	Near Field Communication (NFC) has emerged as a cornerstone of modern mobile payment ecosystems, enabling short-range, contactless transactions that combine speed, convenience, and integration across devices and platforms. Tapto- pay functionality, now widely adopted across Android, iOS, and legacy mobile devices, has transformed consumer payment behaviour by reducing transaction times and eliminating the need for physical card handling

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