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Also, highlight the security aspects. EMV reduces fraud, SDA ensures secure data access. How does this benefit businesses? Lower liability, compliance with PCI DSS standards. Maybe mention tokenization or encryption if applicable.

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The hardware itself is just a conduit. The software dictates what data is sent to the chip via Application Protocol Data Units (APDUs). Software development kits (SDKs) allow developers to write scripts that interact with the card’s operating system (often Java Card OS) to create, modify, or test payment applets. Explaining SDA (Static Data Authentication) Also, highlight the security aspects

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