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Payments have been evolving for hundreds of years. From the age-old bartering system, to cash, to check to electronic forms of payments, people have found innovative and more efficient ways to make a payment. This evolution has resulted in a significant shift in the current mix of consumer payments: from primarily paper-based (cash or check) to increasingly electronic (e.g. credit, debit and pre-paid) payment methods. The purpose of this paper is to outline the view of the mobile commerce landscape while outlining the factors that will be necessary to enable such an environment and create an opportunity for players to seize its full potential.
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