"It may well be the case that a mobile device manufacturer could take a big slice of the NFC payment market, but gaining the trust of consumers to handle payments securely will be a critical factor. Notwithstanding the convenience of having a smartphone that can be used to buy your sandwich or pay for your tube fare, Deloitte’s research suggests that – in the short term at least - people will still be reticent about using their phone as a form of payment.”