Though PayPal (EBAY) has been experimenting with NFC, division chief David Marcus predicts the technology will "fail to gain mass adoption" in 2013. "Is tapping a phone on a terminal any easier than swiping a credit card? I don’t think so," says Marcus, echoing the comments of Apple's Phil Schiller and others. NFC chipmakers NXP and Broadcom won't like hearing that, and neither will Google. But even without mass adoption, the low cost and marketing value of NFC chips could still lead them to be designed into many phones.