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⍰ ASK How did the concept of tokenization enhance security in U.S. electronic payment transactions?

Starting in the mid-2010s, a cool thing called tokenization made electronic payments in the U.S. much safer. Here's how it works: instead of using your actual card details during a transaction, it swaps them with special tokens. This makes it impossible for sneaky attackers to do anything with the data they might get.

Digital wallets and mobile payment apps loved this idea, and big payment card companies made it a standard practice. It became the go-to way to make sure transactions are super secure.

Tokenization helps fix problems with the old way of using cards, making it much harder for bad guys to steal info or get into accounts without permission.
 

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