...and my guess is the credit card stuff relies on the NFC comms to talk to the cards so you need the "paypass" or similar branded cards.

In the T-mobile demo, I was wondering - what if you put two phones down which look the same on the underside but are actually different models (there are plenty). I don't think it could differentiate that.

There's also the hidden setup here, like entering your WPA key on the camera

Hugo