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LAS VEGAS —The stark reality about mobile commerce is that for it to happen on smartphones it almost certainly will require one-click buying, mainly because of the difficulty of inputting data on small devices.

That was the jumping-off point for a lively Money2020 panel on Wednesday, moderated by Javelin Strategy + Research executive vice president Mary Monahan, who said, “The impediment to m-commerce is data entry. We need to make it really simple to authenticate the user and for the user to buy. Then it will happen.”

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