With the introduction in 2014 of workable Host Card Emulation (HCE) and the rumours of an upcoming iPhone 7 launch, Near Field Communication (NFC) technology is making a bold stride forward to fulfill its promise to be the dominant “physical world” payments technology available to consumers. The revitalized interest in NFC enables the growth of technologies that make secure mobile payments not only possible, but also more secure and affordable. That’s especially true with the introduction of cloud-based Host Card Emulation (or HCE).