This Dynamic card concept came out quite some time ago, and so it is interesting to see MasterCard still trying to get it working. Personally if you look at the speed and ease of NFC payments, Initially closed loop like Octopus in HK and Oyster on the trains in London, it is the fasted and easiest way to pay. Finally Paypass and Paywave cards can be used (Transport For London), and the take up is very rapid. It has taken a combination of things to reach this point, but personally I think it will be the one that wins, especially when the USA finally gets all the POS readers EMV and NFC.