Smartkarta
Smartkarta is a brand name used for smart card–based platforms that store and manage digital credentials, payments, and identity data on a physical card or on a mobile device via a secure element or host card emulation. The term is used for multiple, related implementations rather than a single product, and each deployment tends to define its own scope, interoperability, and governance model.
Technical overview: Most Smartkarta solutions rely on contactless and contact interfaces (such as ISO/IEC 14443 and
Applications: Common use cases include public transit fare media, government-issued identity or access cards, school or
Development and governance: Projects are typically run by consortia of public authorities, financial institutions, and technology
Impact and criticism: Proponents cite improved convenience, reduced cash handling, and stronger security; critics raise concerns