The average smartphone user uses 26 apps and is overwhelmed by the number of apps on their smartphone. We use our desktop browsers to go eShopping, do not download a separate desktop app for each store we want to shop at. Why do people think we will want to download an app on the limited storage space of a smartphone, and then manage hundreds of apps? Consumers will not do that, it does not make sense.

Instead we will continue shopping on our phone's browsers. And that requires a different security protection. Take a look at companies like www.Payfone.com and www.Sekur.me for their innovative solutions to purchasing on mobile browsers. They nailed it.