The document outlines 5 predictions for how mobile technology will change in 2012: 1. NFC will start to become mainstream as investment in infrastructure increases and the technology is used for more than just payments. 2. 4G networks will begin trials in the UK and speed up to 100mb, though 4G devices may not be available until 2013. 3. Location-based networking will expand beyond check-ins as retailers and brands utilize it for loyalty programs and social interactions like shopping and ordering food. 4. Issues around privacy, security and regulation of in-app payments on Android will be important, and Android's security problems could pose attacks. 5. Payment wallets will proliferate as