Digital payments have become an integral part of everyday life, from contactless card transactions t
Introduction: The Imperative for Advanced Authentication Digital payments have become an integral part of everyday life, from contactless card transactions to emerging blockchain applications. However, as convenience grows, so do security challenges—cybercriminals continuously devise sophisticated methods to bypass traditional safeguards. According to a 2023 report from the UK’s National Cyber Security Centre (NCSC), financial cyberattacks …