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NFC, we hardly knew you. It was just a year ago when Near Field Communication seemed the clear winner in the battle for pole position in the looming mobile payments slugfest and many credit unions were grappling with how to include NFC in their digital strategies.

The idea then was that, soon, most smartphones would ship with NFC built in and as merchants upgrade their point-of-sale terminals to meet the 2015 EMV chip and PIN requirements, NFC would slide in and, presto, we’d all be buying newspapers and burgers with a tap of a phone.

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