Now layer on e-commerce, with mobile technology enabling real-time price comparisons, and the exercise of pricing becomes even more complicated.

FORBES: Retail's Big Question: Is The Price Right?

The mobile industry now has a commerce technology that can work everywhere, and the world will see it first on the Samsung Galaxy S4.

ENGADGET: Samsung partners with Mobeam to offer scannable bar codes on the Galaxy S 4

Along with the explosion in mobile technology to support commerce, startups like LevelUp have begun disrupting the payments market by offering free payment processing in return for paid loyalty and marketing services, showing that we are quickly moving into an age where the value of payment data exceeds the value of transaction fees.

FORBES: Mobile Payments: The Case For Choosing An Open Platform