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Conclusion: The business case for the use, acceptance and adoption of mobile financial transactions is that the provision of the technology will create its own demand. Some persuasion and marketing is required but essentially the convenience and innovation of the mobile handset is a powerful catalyst. Eventually technological force will transform the way society transacts. The main players expect to eliminate all loose change in every purse and pocket.

Such confidence is not entirely misplaced. The industry is using many channels to convince the public of the efficacy of the technology. However the basis of the business case may not be as secure as believed by its adherents and that may be a costly oversight.

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