"Build it and they will come" (issue and they will use) - I don't think it's that simple in case of contactless EMV.

One needs to understand what drives banks in that respect: increased turnover that comes from cash replacement (and not user convenience as many believe). Considering that most contactless payments are via a debit card, profitability for the issuers is low.

Hence, all that hype and effort to push a low-margin "commodity" product of dubious consumer value. Don't banks have a better idea when it comes to "mobile" and "contactless"? (It's a rhetoric question as we all know the answer...)

The only contactless I currently have is on my credit card, a card that I will not use until I have paid it off....not much of an incentive for me right now.  If it were on my debt card then perhaps I would be inclined to use it more at lunchtimes, but after the fifth consecutive time of using it I will still need to use my PIN, so still somewhat self-defeating.

Make contactless on all transactions - whatever the amount, then you will have me.  Until then it is just a novel way of paying for less than £20.

I believe there will be a payments revolution, when cash is no more and the basic materials required to make plastic are all but spent, but it won't be contactless.