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MasterCard, citing results from a study written for it by the Economist Intelligence Unit, flatly said that “mobile commerce is predicted to become king.”

The intent of the study was to chart the many changes in consumer behavior that are attributable to the proliferation of smart mobile devices and, said MasterCard in a statement, “the mobile phone will overtake the physical store, website and call center as the single most important communication channel with customers by 2020.”  The card issuer based that on what its researchers heard in interviews with some 300 leading retailers across Europe.

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