Meanwhile, traditional card networks, such as Visa and MasterCard (MA), have been working on their own NFC initiatives. On Dec. 7, Visa said it supported commercialization of a technology from DeviceFidelity that puts NFC capability on microSD cards, which can be inserted into certain existing smartphones. Visa tested the technology for 18 months with such banks as Wells Fargo, JPMorgan Chase (JPM), US Bancorp (USB), and Bank of America (BAC). This is the technology that Wells Fargo plans to test with its employees in the first six months of this year. "We plan to be commercially ready to launch by the end of the first half of 2011," says Visa's Gajda.