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Mobile commerce (or m-commerce) describes buying from a web-based retailer's mobile device-optimized web site or software program utility ("app"). These web sites or apps are designed to enable customers to browse through a corporations' products and services on tablet computers and smartphones. While online shopping has been massive enterprise for some time now, the global pandemic that hit in early 2020 sent on-line purchasing soaring.
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Given the lack of capability to examine merchandise earlier than purchase, customers are at higher danger of fraud than face-to-face transactions. When ordering merchandise online, the merchandise could not work properly, it might have defects, or it may not be the identical item pictured within the online picture. Merchants also danger fraudulent purchases if customers are using stolen credit cards or fraudulent repudiation of the web buy. However, merchants face less danger from physical theft by utilizing a warehouse as an alternative of a retail storefront. Secure Sockets Layer (SSL) encryption has usually solved the issue of credit card numbers being intercepted in transit between the consumer and the merchant.