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    http://www.mymms.com/utility.aspxhttp://www.createmychocolate.com/http://www.elementbars.com/mix-my-granola-becomes-element-bars.aspx

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    http://www.ideeli.com/http://www.net-a-porter.com/http://www.hautelook.com/http://www.ruelala.com/http://www.vente-privee.com/

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    http://www.paypal-media.com/assets/pdf/fact_sheet/PayPal_Fast_Facts_Q412_Final.pdfhttp://www.paypal-media.com/assets/pdf/fact_sheet/PayPal_Fast_Facts_Q412_Final.pdf

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    http://www.americanbanker.com/issues/177_113/mobile-payments-wallets-opportunities-hurdles-1050089-1.htmlhttp://www.americanbanker.com/issues/177_113/mobile-payments-wallets-opportunities-hurdles-1050089-1.htmlhttp://www.acquitygroup.com/News-And-Ideas/WhitePapers/The-Multi-Channel-Marathon-(2009)http://www.acquitygroup.com/News-And-Ideas/WhitePapers/The-Multi-Channel-Marathon-(2009)http://www.accenture.com/us-en/Pages/insight-energizing-global-growth-changing-consumer.aspxhttp://www.accenture.com/us-en/Pages/insight-energizing-global-growth-changing-consumer.aspxhttp://www.accenture.com/SiteCollectionDocuments/PDF/Accenture-Technology-Vision-2013.pdfhttp://www.accenture.com/SiteCollectionDocuments/PDF/Accenture-Technology-Vision-2013.pdfhttp://www.accenture.com/SiteCollectionDocuments/PDF/Accenture-Making-Mobile-POS-Happen.pdfhttp://newsroom.accenture.com/article_display.cfm?article_id=5109http://knowledge.sagepub.com.zorac.aub.aau.dk/view/casestudy/n28.xml

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    http://www.forbes.com/sites/matthewcarroll/2012/01/02/the-rise-of-gilt-groupe-part-1/http://www.forbes.com/sites/matthewcarroll/2012/01/02/the-rise-of-gilt-groupe-part-1/http://www.capgemini.com/insights-and-resources/by-publication/big-data-next-generation-analytics/http://www.canalys.com/newsroom/smart-phones-overtake-client-pcs-2011http://www.banktech.com/payments-cards/paypal-introduces-mobile-point-of-sale-s/240150806http://www.banktech.com/payments-cards/paypal-introduces-mobile-point-of-sale-s/240150806http://online.wsj.com/article/SB10000872396390444868204578064844068479634.htmlhttp://online.wsj.com/article/SB10001424052748704421304575383213061198090.htmlhttp://www.businessinsider.com/why-walmart-can-pull-off-everyday-low-prices-while-everyone-else-keeps-failing-2012-9#ixzz2OmOqTLvUhttp://www.businessinsider.com/why-walmart-can-pull-off-everyday-low-prices-while-everyone-else-keeps-failing-2012-9#ixzz2OmOqTLvUhttp://www.businessdictionary.com/definition/consumer-trends.html#ixzz2P9ZcRure

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    http://www.nytimes.com/2012/08/10/business/supermarkets-try-customizing-prices-for-shoppers.html?_r=3&pagewanted=all&http://www.nytimes.com/2012/08/10/business/supermarkets-try-customizing-prices-for-shoppers.html?_r=3&pagewanted=all&http://www.nytimes.com/2012/03/10/business/younger-shoppers-using-technology-not-salespeople.html?_r=0http://www.nytimes.com/2012/03/10/business/younger-shoppers-using-technology-not-salespeople.html?_r=0

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    https://www14.software.ibm.com/webapp/iwm/web/signup.do?source=sw-infomgt&S_PKG=500016891&S_CMP=is_bdebook1_bdmicrornavhttps://www14.software.ibm.com/webapp/iwm/web/signup.do?source=sw-infomgt&S_PKG=500016891&S_CMP=is_bdebook1_bdmicrornavhttp://uk.reuters.com/article/2013/03/11/uk-inditex-preview-idUKBRE92A0GB20130311http://dictionary.reference.com/browse/mobile-devicehttp://www.ft.com/cms/s/0/caa5c9da-97f1-11e2-b7ef-00144feabdc0.htmlhttp://www.deloitte.com/assets/Dcom-UnitedKingdom/Local%20Assets/Documents/Industries/Consumer%20Business/uk-cb-consumer-review-2012.pdfhttp://www.deloitte.com/assets/Dcom-UnitedKingdom/Local%20Assets/Documents/Industries/Consumer%20Business/uk-cb-consumer-review-2012.pdfhttp://www.deloitte.com/assets/Dcom-UnitedKingdom/Local%20Assets/Documents/Industries/Consumer%20Business/uk-cb-consumer-review-2012.pdf

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    http://www.emarketingpapers.com/content21685http://www.emarketer.com/Article/Global-Luxury-Goods-Ecommerce-Market-Soars/1009858http://www.emarketer.com/Article/Mobile-Spurs-Digital-Coupon-User-Growth/1009639http://www.emarketer.com/Article/Proximity-Mobile-Payments-Set-Explode-US/1009422http://www.emarketer.com/Article.aspx?R=1009014&ecid=a6506033675d47f881651943c21c5ed4http://www.emarketer.com/Article/Most-TV-Tablet-Interactions-Involve-Another-Screen/1009337http://www.emarketer.com/Article/Most-TV-Tablet-Interactions-Involve-Another-Screen/1009337http://www.economist.com/node/21563353http://graphics.eiu.com/files/ad_pdfs/Business%202010_Global_FINAL.pdfhttp://ebeltoftgroup.com/global-cross-channel-retail-report---the-unconnected-store.htmlhttp://ebeltoftgroup.com/global-cross-channel-retail-report---the-unconnected-store.html

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    http://www.forbes.com/sites/lauraheller/2011/04/20/the-future-of-online-shopping-10-trends-to-watch/http://www.forbes.com/sites/lauraheller/2011/04/20/the-future-of-online-shopping-10-trends-to-watch/http://bgr.com/2011/11/02/mobile-coupon-industry-will-be-worth-46-billion-by-2016-analysts-say/http://bgr.com/2011/11/02/mobile-coupon-industry-will-be-worth-46-billion-by-2016-analysts-say/http://www.retail-week.com/city-and-finance/retail-growth-to-increase-in-next-10-years-as-more-considered-consumer-emerges/5045783.articlehttp://www.retail-week.com/city-and-finance/retail-growth-to-increase-in-next-10-years-as-more-considered-consumer-emerges/5045783.articlehttp://www.informit.com/blogs/blog.aspx?uk=Mobile-Devices-Definition-And-Security-Issues-Part-1-of-5http://www.informit.com/blogs/blog.aspx?uk=Mobile-Devices-Definition-And-Security-Issues-Part-1-of-5http://www.businessinsider.com/target-designers-lines-2011-8http://www.forbes.com/sites/microsoftdynamics/2013/01/14/making-omni-channel-retailing-a-reality/

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    http://www.idc.com/getdoc.jsp?containerId=prUS23703712http://public.dhe.ibm.com/common/ssi/ecm/en/rew03013usen/REW03013USEN.PDFhttp://www-935.ibm.com/services/us/en/c-suite/ceostudy2012/http://www-935.ibm.com/services/us/en/c-suite/ceostudy2012/http://www.accenture.com/SiteCollectionDocuments/PDF/Accenture-Making-Mobile-POS-Happen.pdfhttp://www.accenture.com/SiteCollectionDocuments/PDF/Accenture-Making-Mobile-POS-Happen.pdfhttp://www.heralddeparis.com/29702/29702

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    http://ir.jcpenney.com/phoenix.zhtml?c=70528&p=irol-newsCompanyArticle&ID=1680627&highlighthttp://www.shop.org/c/document_library/get_file?folderId=164&name=DLFE-1074.pdfhttp://www.shop.org/c/document_library/get_file?folderId=164&name=DLFE-1074.pdfhttp://www.internetworldstats.com/stats.htmhttp://www.idc.com/getdoc.jsp?containerId=prUS23916413#.USDkE6UqYpQhttp://www.idc.com/getdoc.jsp?containerId=prUS23982813#.UU7o1xwqYpRhttp://www.idc.com/getdoc.jsp?containerId=prUS23696912

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    http://www.kpmg.com/Global/en/IssuesAndInsights/ArticlesPublications/mobile-payments/Pages/2011-mobile-payments-outlook.aspxhttp://www.kpmg.com/Global/en/IssuesAndInsights/ArticlesPublications/mobile-payments/Pages/2011-mobile-payments-outlook.aspxhttp://www.bloomberg.com/news/2012-08-28/isis-mobile-payment-system-to-debut-in-september-after-delays.htmlhttp://www.bloomberg.com/news/2012-08-28/isis-mobile-payment-system-to-debut-in-september-after-delays.htmlhttp://www.infosys.com/industries/retail/white-papers/Documents/MCC-order.pdfhttp://www.infosys.com/industries/retail/white-papers/Documents/MCC-order.pdfhttp://www.alacrastore.com/storecontent/tfmedia/3948650

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    http://www.shoppertrak.com/news-resources/ebooks/2012-12/empowering-retail-intelligence-through-business-analyticshttp://www.shoppertrak.com/news-resources/ebooks/2012-12/empowering-retail-intelligence-through-business-analyticshttp://www.forbes.com/sites/haydnshaughnessy/2013/02/08/solving-apples-innovation-problem/http://www.forbes.com/sites/ciocentral/2013/01/11/paying-with-your-data-the-real-promise-of-mobile-wallets/http://www.forbes.com/sites/ciocentral/2013/01/11/paying-with-your-data-the-real-promise-of-mobile-wallets/

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    http://www.bizjournals.com/phoenix/news/2013/03/27/walmart-to-open-concept-store-at.htmlhttp://www.bizjournals.com/phoenix/news/2013/03/27/walmart-to-open-concept-store-at.htmlhttp://adage.com/article/digitalnext/forget-e-wallet-apple-s-passbook-transform-retail/237957/http://adage.com/article/digitalnext/forget-e-wallet-apple-s-passbook-transform-retail/237957/http://www.clickz.com/clickz/column/2207136/you-need-to-care-about-mobile-payments?wt.mc_ev=clickhttp://www.clickz.com/clickz/column/2207136/you-need-to-care-about-mobile-payments?wt.mc_ev=clickhttp://www.springwise.com/health_wellbeing/walk-in-kiosks-retail-settings-deliver-healthcare-telemedicine/http://www.springwise.com/health_wellbeing/walk-in-kiosks-retail-settings-deliver-healthcare-telemedicine/http://www.juniperresearch.com/reports.php?id=344

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    http://www.shoppertrak.com/news-resources/ebooks/2012-12/empowering-retail-intelligence-through-business-analyticshttp://www.shoppertrak.com/news-resources/ebooks/2012-12/empowering-retail-intelligence-through-business-analyticshttp://www.retail-week.com/analysis-global-innovations-that-could-change-the-retail-world/5045622.articlehttp://www.retail-week.com/analysis-global-innovations-that-could-change-the-retail-world/5045622.articlehttp://thefuturescompany.com/free-thinking/the-future-shopper/http://thefuturescompany.com/free-thinking/the-future-shopper/http://www.economist.com/blogs/buttonwood/2013/03/euro-zone-crisishttp://www.economist.com/blogs/schumpeter/2013/04/e-commerce?fsrc=scn/gp/wl/bl/quicklydoesithttp://www.economist.com/node/15814756

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    http://news.walmart.com/news-archive/2013/03/27/walmart-on-campus-concept-store-to-open-at-arizona-state-university-in-mayhttp://news.walmart.com/news-archive/2013/03/27/walmart-on-campus-concept-store-to-open-at-arizona-state-university-in-mayhttp://slowretailen.wordpress.com/concept-stores/https://www.rfidjournal.com/purchase-access?type=Article&id=10536&r=%2Farticles%2Fview%3F10536http://help.library.ubc.ca/evaluating-and-citing-sources/evaluating-information-sources/

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    http://www.banktech.com/payments-cards/will-mobile-wallets-replace-their-tradit/232602766http://www.banktech.com/payments-cards/will-mobile-wallets-replace-their-tradit/232602766http://www.wwd.com/fashion-news/fashion-scoops/merci-to-open-temporary-outpost-at-isetan-3544928http://www.wwd.com/fashion-news/fashion-scoops/merci-to-open-temporary-outpost-at-isetan-3544928http://www.nytimes.com/2009/08/29/technology/29coupon.html?_r=0http://www.internetretailer.com/2011/10/27/paypal-dramatizes-how-it-plans-get-storeshttp://www.americanbanker.com/issues/177_204/isis-launches-mobile-wallet-test-with-nine-handsets-1053716-1.htmlhttp://www.americanbanker.com/issues/177_204/isis-launches-mobile-wallet-test-with-nine-handsets-1053716-1.htmlhttp://www.sapient.com/en-us/sapientnitro/thinking/papers/paper/46/thin_is_in_the_future_of_digital_wallets.htmlhttp://www.sapient.com/en-us/sapientnitro/thinking/papers/paper/46/thin_is_in_the_future_of_digital_wallets.html

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