There could be credit cards that use NFC only. We could have them be inserted as well as tap to pay. To keep them inserted when inserted, there could be a metal edge to the top of the card.
These cards could be used as storage drives if PCs have these credit card slot NFC readers.
It could be that we have NFC for banking at the top center and NFC for personal storage on the top left. You could have cards that do both, storage and banking where the credit card machines only access the NFC chip in the center. Although tap to pay may not work the same.

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