This document discusses the future of commerce and how mobile devices are changing customer expectations and business models. Some key points made include: - Nearly half of Australians have owned a smartphone for less than a year and 33% of Australian households have at least one tablet device - Mobile and tablet commerce accounts for 10% of US ecommerce spending and 47% of website traffic in Australia - By 2016, Amazon is projected to have 26% of the global e-commerce market share - Customers expect personalization, information, and consistent pricing across all channels from retailers - The customer experience will be the key differentiator for organizations by 2017 - Businesses must be willing to disrupt their entire operations