In reply to Rob.

I think Apple will see success and Google Wallet would have if they had the phones out there....Apple will probably have 1/4billion NFC devices out the there in less than12 months. The one disadvantage right now for Apple is due to their security/encryption you cannot use just any card like you can with Google. What that means is even though they had a very high percentage of credit cards issuers from large national banks already on board....regional debit card issuers are not there yet. This is where I woud like to use it....for everyday debit card purchases. I am not willing to move my checking account to B of A or any of the national banks.