Which retail payment innovation was first mandated for U.S. federal government procurement cards in 2015, significantly reducing fraud in government purchases?

Government procurement of retail products and services represents billions in spending each year. Behind these massive purchases are complex systems, policies, and technological innovations that shape how public funds are spent. This trivia question tests your knowledge about a significant retail technology advancement that has transformed government purchasing efficiency in recent years.

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EMV chip technology
Contactless payment systems
Blockchain verification protocols
Biometric authentication requirements