Why mobile commerce (m-commerce) is not boosting and is not being adopted by most users? Cell phone penetration is being very high, sometimes over 100%. So, why users don't really trust on using it instead of credit or debit cards? Well, is it a matter of trust? Security is one of the reasons, but today's mobile networks are quite secure at least like a credit card payment system. Another issue is the amount of places where you can pay with the phone, still not very extended... Also we can talk about the ease of use of this payment method. Is it really easy for not tech-friendly users? But actually I'd say that one of the main problems is the small involvement of the companies in the sector. There are the shops and the banks, as well as card issuers, and apart from this we have the service enablers. Maybe there are too many players? The key question: would you be eager to pay using your phone, and why?
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