I'm running into the same issue, my note 10 lite is only 53 days old, nothing anormal happened : no drop or water contact.
I simply went to sleep and the next morning the phone is simply not playing sound on media.
However the external speakers works on a call or if i set a new alarm sound so hardware seems to be fine.
I am very upset as it's almost brand new ...
@Sadiuae : Have you managed to fix yours ?
Sorry to hear that!
To begin with please perform a soft reset to address any temporary software issues that may have arisen after the update.
To proceed simply press the Volume Down and Power buttons together for around 10 seconds until the phone restarts.
If your problem persists please check that the correct features are active to Settings > Connections > NFC and Payment > On > Android Beam (On) > Tap and Pay > Samsung Pay > Back > tap the 3 dots in the top right corner > Default NFC method > Auto Select.
If the issue continues, please bring the device to the nearest Samsung Service Center.