Well, for my bank card I explicitly need to enable NFC (RFID), and it only works if its kept very close, and only for amounts of 30 EUR or less.
Swiping your bank card has 2FA, but which 2FA? Well, a barcode behind a magnetic strip, and a 4 number PIN. Typing your PIN requires privacy, but whilst you’re in public it is NEVER adequate.
The same if you use public transport in The Netherlands (or Oyster card in UK): you gotta keep it very close to the authentication point.
I currently use a Bluetooth watch for authentication. If I were typing my PIN of my phone all the time I would 1) lose 5 seconds of my time too often 2) I’d not have adequate privacy and people and cameras would easier be able to see my PIN 3) it protects me good enough against thieves. NFC (with a NFC key, like a YubiKey NEO, which I already own) would be a great alternative because it costs less electricity. EDIT: and it requires a more pro-active form of authentication compared to Bluetooth!
An NFC chip on a phone is very useful. If I had one, I could even ditch my public transport card and use my phone to log in and out of public transport.