If NFC-enabled mobile payments ultimately win consumers' hearts, it won't be because of any revolutionary technical merits, but because they offer an incrementally better experience, augmenting credit cards rather than replacing them, according to some participants at an MIT forum this week. "It's a better way of using your plastic. You don't necessarily need a proposition that something has to be 10 times better," said Mung Ki Woo, head of mobile at MasterCard.