Re: Vodafone wallet
"'Excuse me Barkeep, do you accept cash in this fine establishment?'"
Or rather "do you accept wireless cards..."
AFAICS the mobile networks and phone makers sat on their hands for so long that the contactless payment market marched on by, and they're now playing catch up. In theory an NFC phone and a contactless card are duplicative, except that the phone invariably requires an "e-wallet" between my bank account and my phone, and potentially carries additional complications and hazards.
As long as I carry a physical wallet with cash and assorted ID's, then there's no real benefit to me in using a phone for payments, and in this respect the phone industry would have been better off (a) improving default handset and system security, and (b) routing into contactless payments by getting third parties to tie NFC IDs to subscribers and loyalty schemes (so, eg, my phone NFC chip could identify me as a National Trust/Clubcard/RNLI or other member).
In their haste to "own the money", the phone industry ignored that they needed to "own the pocket" first. Obviously "owning the handbag" may be a bigger challenge.