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Beyond Cash and Cards: How the Way We Pay Is Continuing to Evolve
The way people pay has changed repeatedly, from physical cash and cards to mobile applications, QR codes, contactless interfaces and real-time account transfers. Each new payment method builds on financial infrastructure that must make transactions convenient, interoperable and secure. This edition examines the continuing evolution of payments and the technologies behind emerging experiences, including tokenisation, mobile payments and digital credentials. It explores how payment interfaces may become less visible even as the systems supporting them grow more sophisticated.
Editor's Note
Payments provide an interesting example of technology becoming simpler for users while becoming more sophisticated underneath. The physical act of paying has gradually moved from exchanging cash to tapping, scanning and confirming digitally. This edition follows that evolution and examines what may come next, while looking beyond the interface to the networks, security systems and standards required to make new payment experiences dependable.
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