Here in Japan, the run-around the system has been QR code payments.
Those apps are easy to make and don't have to get any special system access to NFC hardware.
Small merchants can just use their existing phones or get iPads, although the payments are now also integrated into merchant systems and the standard card readers in shops now also have a camera to scan QR codes.
Those apps are easy to make and don't have to get any special system access to NFC hardware.
Small merchants can just use their existing phones or get iPads, although the payments are now also integrated into merchant systems and the standard card readers in shops now also have a camera to scan QR codes.