In Germany, bank cards come with NFC chips that let you make small payments just by tapping your wallet onto the POS machine. You pre-load the chip with money from your bank account (only small amounts are allowed, because if you lose the card you lose the money) and spend it as cash.
So I finally see the point of NFC in a phone. And now I can have NFC in my iPhone, thanks to Incipio’s Cashwrap case.