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NFC stickers are common for Tap and Pay payment scenario and it can further extended as wearables in the form of rings, lockets, bracelets and many more form factor to explore - it depends on banks and fintech to be little adventuerous to show up big daddy Apple.

Big Daddy is not liked by Fintech :)

Hope TCS will find some solution for Fast Payments frauds and scams. If user journey in Fast Payment needs OTP authentication then there is solution available to curb it at root.

Agree with your observation but then again such big contract is favoured by govt to bidder ( Even though it’s Indian reputed IT company TCS) with out completing evaluation process and press release - Editor of Finextra must not post it. There has to be editorial review and revoke should happen as otherwise it looks like Finextra is spreading rumours. 

isn't this backdoor information about procurement being shared in public?

Big dispointment to see Zwipe Pay will sunset but wish success for Zwipe Access.

Web3 cryptocurrencies itself is treacherous - high returns high risk investment option - totally unregulated.

Dear Neira, will have to wait till Jan 29 to get Expression of Interest for the project - can check the link - https://www.bis.org/about/bisih/topics/fmis/hertha_invit.htm 

on or after Jan 29.

Insufficient balance is Business decline where in Acquirer has processed and switch transaction to issuer and acquirer gets its transaction fee, payment processor gets it's switching fee. Does this mean that, these fees will be stopped? 

Rome was not build in a day. QR based system supporting A2A can be good alternative for users. Oyster is still named as best cash less instrument for travellers -it evolved and undergone changes in regulation requirements.