Japan's futuristic technology often leads outsiders to assume that what happens there will catch on elsewhere. Before we get excited about tomorrow's world, what can we understand about the particular culture that's enabled such innovations to flourish?

Apple is hoping that Apple Pay, a tap-to-pay service integrated into the iPhone 6 and Apple Watch, will help it dominate the $79.2 billion-a-year digital payments market. But can Apple succeed where so many have failed before, and truly replace our wallets with our phones?

Will we all adopt NFC payments? How will our privacy concerns hinder the development of electronic money? Do we really trust brands over banks and why should all finance companies be watching Apple?

With 55,000 retail outlets having NFC technology at their disposal, over half of new smartphones will support NFC by 2014. We spoke with a group of people about their attitudes towards mobile payments and their concerns over security.