about loading up their phone with cash. Visa has told us that those on the trial who go to the Olympic Village will be able to spend more, because it has a greater control over the payment infrastructure at the Games. If it goes well, expect to be able to make bigger payments when NFC payment apps start appearing. So the big question, will it replace your credit card altogether? There is no reason to see why not when it comes to smaller payments. The only real problem we experienced with the trial is finding shops not listed above that feature the contactless payment machines. Starbucks, for example, doesn't have them, nor will your high street butcher. But we can see that if you have the phone in your hand and need to make a payment quickly, there is no reason why you couldn't use this as an alternative to save getting out your wallet or your purse when you reach the cashier.