@Sara     Welcome back !   I see.  Well, I really enjoyed the topic - I was initially very curious as to how Apple plans to address this potential security nightmare.

But after discussions with my peers along this thread and of course your work - I have a better understanding of just how Apple plans to pull this off.

@GAProgrammer   Interesting.  I had not thought about PayPal, and I think you are right - Apple would love to have a large piece of this market.

@GonzSTL    I certainly appreciate your level headed approach to this difficult issue.   I often get the feeling that NFC is a technology that even though the consumer is cool towards the idea, these manufacturers are dying to implement it.

I guess the real goal is to make the phone a tool for real-time commercial transactions, but people don't seem to be too excited about it, the uses we have now seem to be more than adequate.  

And I agree, I hope the industry regulates itself but the first thing they probably need to do is to come to grips with the fact that not many want NFC and even if it is forced upon the consumer - they have choices now.

I think Apple just might learn this lesson again. 

"....More and more of my friends who use iPhones are finding that the device REALLY isn't that great. I know of 10 people in the past 3 months who have ditched theirs for Samsung phones."

@GAProgrammer     That is really interesting to hear.  I have noticed this myself - Many  iPhone users don't seem to be as happy as they once were.  It has been a long time since Apple has had a significant new offering and when they did - they went larger, which is just what their competition ( Samsung ) has been doing for years.

@Some Guy    I see.   Yes the enabling and the disabling of the service is easy and I think that is the case for phones that have NFC, but there has got to be a better way to transmit the signal.  

Of course I am at a loss for the answer to this plea but we will see if Apple can make this process sexy enough for mass adoption.