With each passing minute, businesses are realizing the need to develop strategies that integrate mobile technologies into their products and services. While mobile service providers seek new ideas to increase the pervasiveness of mobile devices, financial institutions, retailers, and transportation companies are leaving no stone unturned in consolidating their presence at the point-of-sale. Both service providers and financial institutions have recognized the importance of a comprehensive mobile channel and are also cognizant missteps that could redefine their business propositions.