Mobile Payment and Commerce Flashcards

What is the primary security benefit of 'tokenization' in mobile payments?

Answer: It replaces sensitive card data with a unique token so actual card numbers are never transmitted during transactions

Tokenization substitutes real card details with a unique, randomly generated token, so even if a transaction is intercepted, the attacker cannot retrieve usable payment credentials.

What does 'PCI DSS compliance' require of mobile payment applications?

Answer: Following Payment Card Industry Data Security Standards to protect cardholder data during storage, processing, and transmission

PCI DSS (Payment Card Industry Data Security Standard) is a mandatory framework that any business handling card payments must follow to prevent cardholder data breaches.

What is a 'Progressive Web App' (PWA) and why is it relevant to mobile commerce?

Answer: A web-based application that delivers app-like experiences (offline use, push notifications, fast load) without requiring a native app download

PWAs use modern web APIs to provide native-app features like offline functionality, home screen installation, and push notifications, lowering the barrier for mobile commerce engagement.

Which mobile commerce strategy involves offering a seamless, consistent shopping experience across mobile apps, mobile web, desktop, and physical stores?

Answer: Omnichannel commerce

Omnichannel commerce integrates all sales and customer touchpoints—online, mobile, and in-store—so customers experience continuity regardless of which channel they use to shop.

What is 'in-app purchasing' primarily associated with in mobile commerce?

Answer: Purchasing digital goods, premium features, or subscriptions directly within a mobile application

In-app purchasing allows users to buy digital items—game currency, premium content, subscription tiers—directly within an app using payment credentials stored on the device or app store account.

Which of the following best explains why mobile page load speed is critical for mobile commerce?

Answer: Studies show that even a one-second delay in mobile load time can significantly reduce conversion rates and increase bounce rates

Google research found that a 1-second delay in mobile load time can reduce conversions by up to 20%, making page speed a direct revenue driver in mobile commerce.

What role does 'deep linking' play in mobile commerce marketing?

Answer: It directs users from an ad, email, or website to a specific product page inside a mobile app rather than the app's home screen

Deep links route users directly to relevant in-app content (e.g., a specific product page), eliminating extra navigation steps and significantly improving conversion rates from mobile marketing campaigns.