Numerous forms of mobile commerce are emerging in markets large and small around the world.

As retailers more precisely target mobile customers while they shop, what will be highly valued by the customers and what will be considered "creepy?"

Mobile payments provide an increasingly scattered choice of options for customers and the number of mobile ways to pay seems to be increasing rather than decreasing or consolidating.

The creepy factor in mobile commerce is still in its infancy. As more consumers use their smartphones and tablets while they shop, more marketers are going to try to reach them to help influence what they buy. Which is creepy and what adds value?

Mobile shoppers can save money by real-time price comparisons and some retailers are making offers available to them directly via mobile.

Some of the big money in mobile goes unseen during the purchase process. Mobile and tablet usage can influence the sale without being apparent.