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Reason 11: NFC has very little to do with payments
All I hear from people is that NFC isn't anything special since no payment standard has been readily adopted. Once you have a device with NFC, you should quickly learn that payments are just a small part of the technology. I use NFC to simply connect to Bluetooth speakers, share images between devices, check on the status of my ORCA transit card, and tap on NFC tags to control my device. It's a shame that Apple didn't add it to the iPhone 5, but I guess it was held back so they could get us to buy the next incremental update.