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Distinct features of handheld devices, such as their mobility, personalization and location-awareness, engender a new class of consumer-oriented software applications. While simple shopping assistant programs were one of the first to emerge for this class of devices, many modern m-commerce applications become more complex and utilize a wide range of features of pervasive computing. In this paper, we discuss a number of design issues pertinent to the development of these applications including context-awareness, personalization, ubiquitous access, and intelligent interfaces. We applied these and other principles in the design and development of SMMART, an intelligent context-aware framework for delivery of personalized and targeted promotions to the users of mobile devices, which is used as a case study throughout this paper.