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Commerce Seen Passing $638 Billion

Commerce generated on e-commerce platforms on mobile devices, called mobile commerce or m-commerce, is expected to surpass $638 billion by 2018, a recent study forecasts. Ease of use, availability of various commerce applications on mobile devices like smartphones and tablets fueling this growth, the joint study by Deloitte and Assocham today revealed. Cash on Delivery (CoD) is the most preferred mode of payment in India with 45% of the shoppers using it while 21% shoppers opt for debit cards and another 16% go for credit cards. The report said the CoD mode has many issues ranging from high direct and indirect costs, security, or time taken to reverse logistics arising from CoD defaults. More people have banking access due to the financial inclusion project – Jan Dhan Yojna of the government. Digital companies such Paytm, Videocon D2H, and telecom operators such as Airtel, Idea are entering the banking arena with payment bank license.

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