The world is becoming increasingly mobile-centric. A growing number of people are basing their lives heavily on mobile technology, using smartphones and tablets in their daily lives. As mobile devices continue to establish themselves as an integral part of modern society, the demand for mobile services and engagement is on the rise. Consumers want to be able to shop online with their mobile devices while also being able to make payments for goods and services from these devices at physical locations. The value of mobile commerce is primarily financial. The mobile payments market is expected to reach $3.2 trillion in value by 2017, powered by the growing number of people that are making payments from their mobile devices each year.