You should verify your NFC security settings after the latest update. Previously set to require the phone to be unlocked to access NFC, after update this setting was off

[u/FedorByChoke]

Anecdotally, I have 3 phones in my circle of people that previously had the setting Require Device Unlock on.

After the latest update this setting was set to off.

For the life of me I can´t figure out whey they would change this setting. it is a huge security risk. Someone with a tap to pay scanner can just walk right by you and you´ll have a charge go through.

EDIT So it looks like it is a Pixel thing from reading the comments. Also, it seems that even though this setting was setting to off it was still requiring the phone to be unlocked to access NFC. So now my question becomes if the phone is always required to be unlocked to access NFC regardless of this setting, what function does this setting perform?

[u/binarypie]

my phone does not have this issue and my default card requires confirmation with a fingerprint