Ключевые слова: abstract, background, communication, concept, connection, contactless, contactless payment, cyber, cyber security, cyber technology, data, data processing, device, digital concept, digital image, digital innovation, digital interface, digital payment, digital technology, electronic, electronic payment, finance, futuristic, futuristic technology, global communication, global network, global technology, information, innovation, internet, mobile, mobile communication, mobile technology, modern, modern technology, network, network technology, networking, no people, online, processing, screen, smartphone, smartphone technology, technology, touch screen, touch screen technology, transfer, virtual, virtual communication, wireless,