I had written the introduction for this op-ed in 2012, and the op-ed was in making since. It began with Apple’s stance on NFC, whether the NFC on smartphones will become the next de facto standard, especially against chip-and-pin and contactless. And not so surprisingly, with Apple Pay introduced only in the United States in 2014, and increasingly more number of countries adopting EMV, the answer was self-evident. Users prefer the convenience and safety of Apple Pay or Google Pay for Android, if not the contactless from their plastic cards.