NFC has a lot of potential, but right now it needs a lot more support from industry. I found trying to spend money in my Google Wallet very frustrating. Almost no store has nfc readers, and the one place that did have one didn't have it working. I ended up contacting Google to get my balance refunded. So right now an nfc reader would not have much use except as a toy. And kiosks still have to deal with the fact that most people don't have nfc-enabled phones. So all they would need is to get one of those portable credit card readers. Right now the only nfc chips I regularly come into contact with are in library books.