In one one of the Asia Pacific contries ( Indonesia?) I believe BBM has already been e-commerce enabled for money transfers. May be primarily for consumer for consumer transactions, not sure if it works in a retail environment or not, but it is another alternative to NFC.
Apple is way late to the game for mobile commerce outside of the USA, and will fail if they try to bring to the market a proprietary solution that does not leverage existing global infrastructure standards. Same for Google Wallet. And if the US financial institutions go a different direction, 300 million americans won't be enough to change standards vs. 1 billion plus consumers in the EU, Asia Pacific and other countries that are already well down another path...