I learned something interesting about NFC recently that I hadn't considered before: for all the wallet kind of applications, where the phone acts like a VISA/Ms

I learned something interesting about NFC recently that I hadn't considered before: for all the wallet kind of applications, where the phone acts like a VISA/Msatercard/etc credit card there has to be a trusted module that takes care of the authentication - e.g. the SIM of the phone. This module is very restricted in who can write things to it, and there's all sorts of power struggles between carriers, manufacturers and service providers about who should be in control of letting apps add things to the trusted storage. Before that is sorted out, I think that mass adoption of NFC is unlikely, and it's very likely that we'll end up with either the carriers or VISA et al in control - not a very promising prospect, IMHO.