Have been using the NFC phone for a while..The system looks ok but a bit disappointed about the phone. It hangs and the ezlink function did not work properly a few times. I feel that it should be important to look into this, as this equipment will for daily usage especially it is suppose to replace the wallet electronically. If the topping up of the credit can be done through the phone provider that will be excellent. There is only one bill to look at from the consumers point of view. Moreover if the phone is lost, The user report it at only one point of contact.