Thats NOT true. first of Nokia n9 IS NOT marketed in countrys where NFC MAY be will be used as payment. same goes for android but vise versa android will not have NFC payment in northeuropean. the problem with nfc and payment is not related to phonemanufactors instead its relatedd to crappy banks in western world and also the carriers (they wantt the sec framework in simcard) so problem is instead how to standard it.