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Conclusion: Although more attention is given to mobile payments, the delivery of services will probably gain wider traction and help promote all trust-based types of transaction. Under this umbrella of services should be added loyalty programs. For brand vendors, loyalty is two-way as they understand the appeal of mobile devices is not simply transactional. It has a subliminal emotional quality which can be used as a platform for commercial gain.

Organisations ought to have business strategies incorporating technical scope and feasibility for mobile services. Critical market mass is important. While smartphone penetration grows quickly planning for programs and services should be put in place. Over the next year is when concepts may be organised into well-developed strategies.

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