why not, its already working well in Japan. NFC based payment for public transportation is widely used, why not implementing it to mobile sets. However i dont think apple would accept such solution where they wont be in control of origin. Dealing with banks, offices etc. not apple style
Well the next iPhone is said to have NFC built-in for wireless syncing with notebook and micropayments. If this is true all other smartphone manufacturers will follow. So it entirely depends on Apple whether next year NFC market will open up.