Though credit cards are still the standard here in the United States, in other parts of the world – such as Kenya – smartphones have replaced the card and card-reader technology which are now considered to be obsolete in that nation. In fact, among Kenyan adults, 70 percent use their mobile phones to pay for goods and services at a point of sale, and this country is not alone. Around the globe, an ever increasing number of people are using their mobile devices to pay for retail goods, groceries, and…
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