It costs you guys money to make bank transfers? Wow. For the record, I can send and receive money (for free) from my phone only needing the other person's phone number at this point. (Australian. Also, I've never used the pay-to-phone stuff because I just prefer to use their account number. I can do that for free from my phone too.)

It strikes me that our NFC infrastructure is way better than yours too. Somewhat a reverse of most patterns in tech-infrastructure. It's just a pity Google won't support the Nexus' NFC capabilities in Australia - I bet Apple will.