In India, The NCMC cards for transit use the same technology. They considered allowing people to use their normal bank issued cards like the public transit in Singapore and decided against it because of potential fraud issues.
Right now, some ncmc card issuers allow validating the card using your phone so you don't have to go to the kiosk after topping up and they are working on letting people use their phones.
Right now, some ncmc card issuers allow validating the card using your phone so you don't have to go to the kiosk after topping up and they are working on letting people use their phones.