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Despite market fragmentation, technological splits and battling business models, mobile transactions are gaining important momentum in the North American market. As a result of increasingly dynamic mobile users and an expanding base of smartphones, a growing array of payment mechanisms is reaching the market to take advantage of the power and flexibility of mobile devices. Compared to international markets like Japan and Kenya, where mobile payments have become mainstream, the growth of mobile payments in North America has long been held captive by the dysfunctional morass of Near-Field Communications (NFC) deployment strategies that have stalled due to adversarial negotiations among operators, payment card companies and retailers.
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