Very informative post. I really liked how you have listed out how BLE and NFC are technologies that complement each other rather than compete with each other. And yes you said it right, proximity payments market will take off over the next few years. In fact, according to Juniper research report, growth in proximity payments will outpace other transactions over the next five years as mobile commerce explodes. Therefore, it is now high time that retailers and other businesses in the payments and commerce space start focusing on proximity payments. We've discussed in detail on 4 payment services that are already using beacons to make it big in the proximity payments segment here: http://blog.mobstac.com/2015/05/4-payment-services-that-are-using-beacons-to-make-it-big-in-the-proximity-payments-industry/