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Strong (hardware PKI based) authentication for mobile banking (user and transaction auth by touching phone to bank card).

I think this will be the next one, or 'chipped' ATM cards. NFC as a solution works better than the smart card standard though as the reader than do the request / challenge without having to insert the card. That said people bumping into you on the subway can too so there is protocol work to be done to insure that isn't a vulnerability.

This is not a big concern, all modern devices with NFC have to have the screen unlocked before the NFC radio turns on.

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