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  Foreign Service: International m-commerce hits and misses good lessons for U.S.
      CTIA Wireless Wave - Spring 2008

"M-commerce already is de rigueur in many parts of the world. It's the means by which many people pay for the subway, buy movie tickets and do their banking. Although the United States is making progress, to learn more about m-commerce and see where it has succeeded - and struggled - it's more illustrative to look abroad, as many other parts of the world are more significantly involved in this technological area than the US. ..."