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 In theory, the concept of mobile payments has a strong business case, given the high market penetration rates of mobile devices, such as cellular phones and PDA?s, in many parts of the world. In addition, mobile operators and financial institutions, through the use of these devices, envision an attractive way to enable their customers to make payments. On the consumer side, users can reap the benefits of convenience, permitting them to buy goods and services from any location. In principle, a mobile device can be used as a POS (point of sale) tool. Mobile operators and financial institutions consider this concept as the next logical step in making mobile devices a trusted payment device for consumers, acting as a payment instrument supplementing cash, cheque, credit card and debit card. Currently, financial institutions are rolling out wireless POS capabilities to merchants which are in-turn competing with a consumer?s mobile phone. Several new services have been introduced around the

 Annual there's a brand new NBA season that everyone watches and actually position bets on who could be the winning team for the day. But that's not all; there are those who take part in on the web betting including their abilities in managing an NBA team of these own. That game is called the NBA baseball fantasy game. In this game you will soon be given the opportunity to choose your own participant and build your own personal team. But it is maybe not so simple because just as the true NBA lineup you will need to undergo player creating to truly have a fair distribution among the best NBA players. How can you start betting? It is actually easy - first thing you have to do is to join up an bill in numerous websites that provide NBA dream games. To be able to prevent con, take to ESPN.com and YAHOO.com where both sites present free NBA dream games. You can find 2 kinds of NBA fantasy activities, there is the one which they call "Only for Fun" and the other one is call