Many millions of people love the convenience an Oyster swipe card gives them for buying stuff.
According to a Harris Interactive survey the same effect has, after many years, taken hold with mobile phone ecommerce.
Reverse bill SMS was for many their first experience of buying a service using their mobile.
Now this is accelerating with, for example, Westminster council replacing their pay and display parking with pay by mobile.
25% of mobile subscribers use their mobiles for purchases and 16% use them for banking. With NFC/Oyster trials progressing with Nokia & O2, cash may go the same way as cheques.