Android fans seem annoyed by the notion that Apple has NFC now, claiming that they’ve had it for years. The only difference is Android’s had it for years and still failed to get anywhere with it thanks to a mess of standards and lack of co-operative banks.This gets to the nub of Apple’s long-term success. Android phone makers bolted NFC into their phones first then prayed banks, developers and others in the payment loop would take the hint. They didn’t. They were never going to. A chip is not enough.