WWJ has spotted the first presence of NTT DoCoMo’s ‘DCMX’ mobile credit (card) service on the streets of Tokyo and, once again, the future has arrived. Lawrence Cosh-Ishii, WWJ’s director of digital media, en route to a central Tokyo video shoot a few days ago, spied the first street-level advert for retail goods payable via DCMX (image at right).

Predictably, the pitch came from Girl’s Walker, Xavel’s icon of community-centric, user-recommended mobile shopping, which earned the company Pharaonic riches long before dusty old ‘blogs’ were ever invented. Girl’s Walker is touting a special fall line of fashionable goods that can be paid for via “DoCoMo credit,” which takes the form of a real credit payment for adults, or the purchase cost is added to the monthly phone bill, for cash-flush, under-age teens. Note no reference to any sort of ‘card’ – the service is the phone, and credit ‘cards’ are oh-so-1970s.

DCMX is shaping up to be the main pillar in DoCoMo’s consumer financial services strategy that will lock in mobilers and secure massive revenues long after 3G – and the mere delivery of mobile digital content – has become a low-margin sideline that markets elsewhere still can’t comprehend. DCMX isn’t merely the the ‘Next Big Thing’ – it’s everything; and it’s going to make 3G itself redundant (WWJ subscribers log in for full viewpoint and details on the DCMX mobile credit service).