In reply to ML*FOrEveR.

"Utilizing Bluetooth over NFC"

Bluetooth and NFC serve two different purposes; Bluetooth devices have to be "paired"; EMV/NFC credit cards, not so; NFC's security advantage over Bluetooth is that its communicating ability is limited to millimetres (N=Near), not meters; if Bluetooth was used for reading EMV cards, the checkout terminal would be trying to read every credit card in the checkout queue ...

And, what additional hardware do consumers need to spend their money?