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Mobile commerce promises to deliver e-commerce services directly into the consumers' hands - anytime, anywhere - using wireless technologies. Applying mobile access to computing creates both tremendous commercial opportunities and complexity, which makes computing globally pervasive and ubiquitous. Customers prefer a choice in the channels through which they do business and the same applies to transactions as well. This paper reports on a project which explored the current state of mobile financial transactions globally using Bluetooth as an enabling technology.