A user lost a wallet containing credit and debit cards and is unable to purchase merchandise. Which of the following mobile phone technologies would allow the user to complete transactions?

GSM (Global System for Mobile Communications) is a standard for cellular phone networks and is unrelated to making payments.

MFA (Multi-Factor Authentication) is a security measure that requires multiple forms of verification to access an account, not a payment technology.

PRL (Preferred Roaming List) is a list of radio frequencies and service providers used by CDMA phones to prioritize network connections when roaming, not a payment technology.

NFC (Near Field Communication) is the technology that enables contactless payments using a smartphone. Users can link their credit or debit cards to a mobile payment app (e.g., Apple Pay, Google Pay) and then tap their phone at an NFC-enabled payment terminal to complete transactions.