Considering merchants' reaction to NFC is already somewhat uneasy, I'm not really sure how this would work out. After using (and attempted using) NFC in many p

Considering merchants' reaction to NFC is already somewhat uneasy, I'm not really sure how this would work out. After using (and attempted using) NFC in many places, I started feeling like NFC as a replacement of credit card is not a right direction considering it doesn't really solve the problem of credit card (other than not carrying so many cards with you) especially when you can use a credit card for just about any purchase big or small. Perhaps the only way these can take off is if you can approach as "NFC as extension to cash" which may be why it was embraced widely in Japan for instance, where micro transactions (and some extent, any transactions) with credit card is somewhat discouraged.