I've always been a fan of the mobile wallet concept. I have a Google wallet account and spent the money for the NFC sim and all. Then I discovered absolutely No one in my town (major US city here not a backwater hill town) is set up for it. Sure a few have tap and pay card readers but those as a general rule are not programmed to accept and virtual wallet. I hope one day we get to the point where it is common place to use NFC payment systems at most major stores but I do not think it will happen anytime soon.