What I meant is, if NFC is the best way to replace credit cards then Apple would want to be in on making that happen, they wouldn't just put the hardware on the

What I meant is, if NFC is the best way to replace credit cards then Apple would want to be in on making that happen, they wouldn't just put the hardware on their devices and leave someone else to implement it. Something like NFC has just been basically a bullet point on Android phones' feature lists, but that's not really Apple's style. They're going to build something to use it on day 1 or they're not going to include it in their device. Maybe they're working on payment stuff, maybe they're not.. but since it's obviously not ready I'm not the least bit surprised that we don't see NFC on Apple devices.