Mobile Commerce – Issues and Challenges

Abstract

Mobile Commerce (M-Commerce) has emerged as a transformative force in the digital economy, especially in developing regions where mobile penetration surpasses traditional internet access. This paper examines its growing impact on economic development, financial inclusion, and business expansion. It highlights how mobile technologies enable convenient, affordable access to services such as digital payments, online shopping, banking, and entrepreneurship. Key drivers—including stronger mobile networks, innovative fintech solutions, and evolving consumer behaviour—are discussed alongside major challenges such as security risks, infrastructural gaps, and low digital literacy. Overall, the study emphasizes M-commerce’s potential to accelerate socio-economic growth while calling for supportive policies and technological improvements.