SK Telecom from Korea has embedded NFC into the SIM card without requiring any chipset in the phone. At the moment, the technology can only read NFC signals, but can't broadcast them. From BBC: NFC tags could make phones wallets of the future.
Read and broadcast is coming apparently.
Q: What's the impact?
A: Well, you don't need a new phone get NFC, just a new SIM card, so the barriers to adoption are much less.