I don’t disagree with the headline (see full article here). The problem for NFC payments has little to do with the state of NFC technology, or the road-map of NFC-enabled handsets, or the POS integration required at merchant sites. Those issues are either solved (or solving).The main hurdles for NFC payments are twofold:a highly complex payment ecosystem of banks, merchant acquirers, and payment processors who must demonstrate regulatory and PCI compliance, flawless security, and adequate payer authenticationand customers’ proclivity to adopt a new mode of payment, e.g. from ‘card-swipe’ to ‘phone-touch’Ask yourself – would I have to use my phone to complete a payment vs. my credit card? Personally, I think the experience will be novel but only really offer nominally more convenience.
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Gartner Questions Near-term Adoption of NFC Mobile Payments [12Sep11] - 0 views
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