NFC will only spread wildly if all handset/OS makers as well as the carriers open card emulation and the encryption interface necessary to do banking. Right now

NFC will only spread wildly if all handset/OS makers as well as the carriers open card emulation and the encryption interface necessary to do banking. Right now, we're stuck in this position where everyone is more than happy to have all the non-secure critical aspects of NFC (like smart posters) where there is little market incentive - and control and monopolise purchasing, coupon offers, membership and loyalty etc etc.