Mobile commerce or m commerce is a solution to make things nice and simpler. More as a ubiquitous

In 2016, e-Marketer estimates that 37.5 million people in the U.S. (19% are smartphone users) will transact using their phones, by the end of 2016, mobile payments are expected to exceed $27 billion. Predictions are that by 2017, U.S. mobile commerce will have increased so much in popularity that it will account for 50% of U.S. total digital commerce revenue (Mobile ecommerce, 2016).

In many developing countries it's common for a person to have a mobile phone but not a bank account. In fact, more than 1 billion people fit this description, and the number is only likely to increase. To that end, many companies are considering how to give residents access to banking services via their handsets. The GSM Association predicts that by 2012, nearly 300 million of the previously "unbanked" will be using some form of mobile banking.

Technology and its dynamic nature have stretched to significantly impact the mobile marketing industry, leading

The last decade has witnessed a lot of growth of mobile communication devices and wireless technologies across the globe. This has led to a change in the way many activities are conducted and opened the way for m-commerce, which is e-commerce's next evolutionary stage. The significant power of m-commerce is primarily as a result of the ability to connect wireless devices anytime, anywhere (The Future of Mobile Payment Systems : Rise of the Mobile Wallet 2012-2017 [Electronic version], 2011).

Mobile e commerce is e-commerce done in a wireless environment, especially via the internet. It can also be stated as e –commerce performed using portable terminal and all location related commercial activities (generally referred as location commerce). The location based activities are unique feature of mobile e-commerce because they make much sense for mobile terminals rather than static terminals. Information can be sent in the form of e-mail, data files, video, multimedia and other information through a mobile phone ( or

We are currently living in the modern world, where technology has obviously taken over everyone. Almost every single person in this world has more than five electronic devices in their houses, and most people own a mobile phone. These are hand-held electronic devices that are used to be able to communicate to other people no matter how far they may be. However, it does more than that, because you can now use it as a wallet. Yes, for the benefit of the doubt, smartphones now have a feature wherein you could connect to your bank and access your money so that you would be able to use it to buy something online or at stores who accepts mobile wallet. But then again, just like everything else in this world, no man-made object is perfect, so that

Mobile computing has infiltrated every area of our planet and personal lives. We have become so dependent upon our mobile devices they are often referred to as our third limb. Regardless of race, color, creed or location, mobile technology has shrunk the entire world into the palm of our hands. Mobile technology has made research, communication with our friends and family, education, entertainment and even banking possible to do on the go.

Mobile money is the money stored using the Subscriber Identity Module in a mobile phone as an identifier as opposed to an account number in conventional banking. Notational equivalent is the value issued by Money Network Operator and is kept in a value account on the SIM within the mobile phone that is also used to transmit, transfer or payment instructions, while corresponding cash value is safely in a bank. The balance on the value account can be accessed via the mobile phone, which is also used to transmit instant transfer or payment instructions.

This research focuses on the topic area of ‘Consumers attitude towards mobile shopping’ in relation to Marks and Spencer, the high street retailer that is known for selling British quality goods. Marks and Spencer provides clothing for women, men and children; as well as footwear, household items and food to its consumers. This report will focus specifically on offers and discounts on Marks and Spencer’s mobile application.

The advent of the internet-connected smartphone has opened up a whole new world for the consuming public as they now have access to the world of ecommerce in the palms of their hands. As more personal data became transferred to these mini computers, the competing interests of more intrusive applications continue to clash with the need for greater security and data integrity. One of these areas of conflict has been in the field of mobile payments where there has been the desire to use the personal financial information stored on a smartphone to conduct business transactions in a convenient yet secure manner. Recently, technological advancements

Mobile phones are no longer a communication device, but can be used for several other purposes including executing business operations. After internet banking, it has added another dimension to banking by enabling any kind of banking transactions like payments, balance inquiry and transfer of funds, just by using your mobile phone. Banking transactions over the mobile phone are usually performed either by sending a SMS to the bank or by using mobile internet. When you send a SMS requesting a financial

Mobile banking is well utilized in countries of Europe and even Japan, yet it is slow to catch up in America. A study by Forrester Research found that only 10% of Americans like the idea of m banking while 35% already bank online

According to the most recent Federal Reserve study; most of us haven’t set foot in a banking hall in ages. It is a lost battle to banks that opt to use traditional methods to conduct their banking transactions (Gup 2003). By December of last year, close to half of all smartphone users in the United States had transacted some or all of their banking on their phones and iPhones. In the United Kingdom alone, rates of mobile banking transactions doubled over the course of a single year (Scn Education 2001). A banking business that invests in this type of technology gets assured of increasing their customer base.

One of the main aspects related to mobile commerce drawing interest among scholars and organisations is the consumer behaviour in relation to mobile shopping. The works of Balaji et al. (2013) argue that mobile shopping is a practice very much dependent on the decisions of the consumer and understanding this behaviour is key in understanding mobile shopping. Chong, Chan and Ooi (2012) highlighted that the mobile phone usage has affected people’s use of online services prominently, mobile technologies being observed as increasing online usage of consumers during their shopping activities. In fact, mobile shopping has become a major alternative to physical shopping experiences for consumers. Anckar, Carlsson, and Walden (2003) and Zhang, Yuan, and Archer (2002) pointed out the preference of mobile shopping to visiting the stores among the global consumers. The retail industry particularly is among the main areas of shopping that has promoted mobile shopping. Laukkanen et al. (2007) also observed that there has been a rapid adoption of smartphones, making it much easier for consumers to engage in mobile shopping.

Businesses see a future for mobile payments soon. More and more industries are being presented with the profits of mobile payments and those industries are viewing them as opportunities in the modern day world. The competition is on for who is the biggest and most bad. Now, the millennials are the ones to decide that. “According to new surveys, 72 percent of business executives believe that smartphone payments on a large scale, are inevitable and 58 percent of businesses have already implemented a mobile payment system.” (Big Think Editors, 2012) In late 2011, Google came up with Google Wallet in business with Citibank and MasterCard. Google Wallet allows its users to store payment information in the cloud and pay for things at industries