This document discusses big data and mobile commerce. It provides examples of how companies like Capital One, T-Mobile, and Free People use big data to optimize business processes and customer experiences. Mobile commerce is growing rapidly, with over $79 billion in transactions in 2016 alone. Using big data in mobile commerce allows companies to better understand customer behavior, increase loyalty, and improve the customer experience through personalized offers and payments. However, privacy and data security are major concerns, as data collection often occurs without user consent, and high-profile data breaches have compromised millions of customer records. Regulations are being implemented to increase transparency and protect users.