Shoes2468:sbiddle: Why has NFC payments never taken off? One word - standards. Because nobody could agree on a standard things never progressed. Debates over whether embedded or UICC stored secure elements were the best approach has caused the industry to spend years debating how things could be actually work.
As for a solution? Semble works with the Airpoints card (as well as a number of other cards in NZ) and will be publically launching in Q1 2015. There is also another bank in NZ that will be highly likely to launch a HCE based solution into production.
Solution - Apple Pay... job done
Not everyone has an Apple device. In fact, most of the mobile market share is actually held by Android.