There's no stopping mobile commerce. Way back in 2015, desktop and laptop purchasing dominated online purchasing. Not so today. At the end of 2015, 73% of PC users used that device to buy online compared to 46% who bought by smartphone, according to a new report by Global Web Index.

Mobile shoppers love deals and brands increasingly are offering more of them. Mobile is also driving loyalty program membership, which is then impacting what shoppers buy. This picture has changed over the last year, based on a new study.

Mobile payments are facing two or three hurdles, any of which could doom any particular model. One of the longest and most significant roadblocks to a massive move to mobile for payments is the actual value proposition. Many consumers are still quite happy with the way they've been paying for their entire lives. Habits are difficult to break.

Thanks to some major brands, mobile payments may become more of a reality. Starbucks just told its employees it is opening a location that will provide only ordering and payments via mobile. And Dunkin' Donuts has just partnered with Waze to create a program for customers to order ahead.