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Payments

Distinct shift seen from physical to digital formats
Unfortunate similarity to militant group’s name cited
Host card emulation benefits issuers as well as users
Near field plus host-card emulation opens door for banking/payment apps
Banks need to step up sooner rather than later
Usage, fraud protection, EMV, and rewards all gain
Retailers have many options and cash is expensive
41% of debit cards likewise will have embedded chips
Dissatisfaction with response drives many to switch banks
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