The technology that supports the use of mobile apps for payments is near-field communication (NFC) and secure payment gateways. NFC enables short-range communication between devices, allowing smartphones to transmit payment information to contactless terminals. Secure payment gateways handle encryption and verification of payment data, ensuring that transactions are processed safely. This technology fosters the growth of mobile wallets, providing consumers with a convenient and quick payment method. As a result, mobile apps have increasingly become integral to modern financial transactions, enhancing user experience.