I have to take back my previous complaint. The HTC Hero and Touch Pro 2 don't have the Felica chip that stores E-money. I like using my keitai to conveniently pay my train fares and convenience store purchases by just waving it over a scanner. I'll just have to wait for the Sony-Ericsson Experia 2, but that's not scheduled for release til next year.
As for heaters, most homes have the integrated air conditioner/heater w/multifunctions and remote control. Electric kotatsus are common, too, and most space heaters are electric, too.
Internet banking has been here for awhile. You can even do your banking on your keitai. Sony Bank is exclusively Internet banking (don't know which atm's it uses). 7 Bank is Internet banking with 7/11's convenience store atms. MUFJ Bank also has Internet banking along with its large network of atms. I would bet Mizuho does, too.