If I see correctly this was already mentioned but to refresh it as is not yet functional. It will be nice to use the mobile phone with NFC capabilities as a card (the card data are already in the app. the user approach the nfc terminal with the mobile phone and make the transactions. Before approaching the phone to the terminal the user has to open the app and enter the pin to authorize the transactions).
I know it will be just for android user as apple is forcing its apple pay through nfc. But that’s life you can’t satisfy everyone