NFC isn't limited to payment. Programmable NFC tags can be really useful. E.g. tap a tag in your car to instantly switch the phone to handsfree mode + turn on GPS without flipping through the screen menu, or switch to music player mode on the fly. Any bets that if this feature is introduced in the iPhone 5S, the Apple faithfuls will think it's the best thing since sliced bread and that it's all thanks to Apple "innovation"?
I think Apple has already committed to Siri for using the iPhone in the car. They've struck deals with several car manufacturers to put a Siri button on the steering wheel. Phone stays in pocket or mounted and driver presses steering wheel button and asks for directions, dialing numbers, play songs , etc.

