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The bad news: there presently is no seat for you on the Isis train which just left the station, as the pioneering Near Field Communication tap-and-pay mobile payments wallet has announced a national rollout with no credit union involvement.

The broader news: suddenly, amid rising skepticism about the near-term potential for a mobile phone-based digital wallet, a product will be widely available and could potentially be on the phones of millions of consumers within a very few weeks. “There already are around 20 million NFC phones in the U.S.,” said Jamie Johnson, director of marketing for Isis.

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