Can you use a cell phone as a credit card?
Radio technology will soon do another consolidating act and remove an apparently extraneous “device” from your pocket: Your wallet. Or at least your credit card. If you’re the type who never leaves home without your cell phone, you’ll automatically have a credit card or debit card with you wherever you go thanks to an improvement on standard RFID technology called near-field communication, or NFC. The NFC mobile-payment application is currently in trials in the United States, Germany, Finland, the Netherlands and a few other countries, with transportation ticketing as a primary use (think SpeedPass on a cell phone). The idea is that you just touch your phone to an NFC reader (or bring it to within a few centimeters), and it acts just like the credit card or debit card you use right now. A mobile-payment-enabled phone is associated with a bank or credit-card company just like
