@Kenerlee, agreed. Deployment of mobile applications do require addition resources, process, and technologies including application deployment, ongoing maintenance, device recovery, device termination, remote assistance, etc. But the business benefits and ROI of enabling mobile applications clearly outweight these additional cost in majority of the cases that I seen.
@Peter, using mobile phone as your credit card is coming very soon to the mass (maybe even this year). Stay tune. Personally, I am not as excited about this particular application but I can see the appeal and convenience of using your mobile phone as your virtual wallet.