A smart card is an electronic funds transfer tool that can serve as :-
A smart card is a physical card with a chip that acts as a security token. Smart cards are usually the same size as a driver's license or credit card and can be made of metal or plastic.
Wire Transfer (EFT) is a wire transfer over an online network. Wire transfers can be made between the same bank or different banks and can be made using several different types of payment systems.
Online payments via credit, debit, or smart cards are examples of monetary transactions. Another popular example is e-cash.
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