Contactless payments should need a PIN to complete payment for store purchases. Handing over a physical card is an issue of hygiene. It wouldn't make sense to talk about it in India if not for the current corona outbreak. A lot of foreign governments have mandated contactless payments to stop spreading the virus. Even in India, this is the time RBI must take measures to popularize this. In a longer run we can use this for purchasing metro/bus tickets, etc., Also the idea of not having to carry a wallet is true digital economy.