特写：Z世代消费者手持信用卡和智能手机进行安全的在线支付，通过移动设备上的双重身份验证确认电子商务购

p of woman holding credit card while verifying payment on smartphone. Two-factor authentication, secure checkout protocol, fraud protection technology, online banking confirmation, digital commerce security, encrypted payment gateway systems, and global expansion of contactless financial services.

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作者署名：primeimages/Getty Images/primeimages/华夏视觉