Realizing the Full Potential of Mobile Commerce: Orchestrating Mobile Payments and Money Transfers

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Executive Summary

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.

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