NFC...does anyone use it?

I have a 920. I bought it, turned NFC off and haven't had the need to think about it again. I would love it if I could use NFC payment, but I've heard it is quite complicated to set up, as it requires a secure sim card and BOTH your bank AND mobile provider approval (which I've heard has not been approved by Rogers, my mobile provider) So, does anyone use NFC and what do they use it for?