...el”, has the capacity to federate the incumbent players willing to address the opportunity of mobile commerce (in-store with NFC, and online), and create the necessary user adoption. This is what TORO is demonstrating in Norway, with 70% of the Banks and soon 100% of the Telcos connected to the VALYOU platform (http://www.valyou.no/en), where TORO is the key technological and now business partner. ...