1. What have you purchased in the past week without cash for which you previously used cash?

2. If a vendor wants to sell products using a cashless system via the cloud, which aspects of the cloud are attractive?

3. What security concerns do you have about using your phone for purchases?

4. Should Tier 1 providers charge cashless transcations a higher fee than other traffic on the Internet, or should they be net neutral? Explain your choice.

5. If Visa or Mastercard offers vendors the opportunity to use their services to enable smartphone transactions, which type of cloud service (SaaS, IaaS, or PaaS) is in use? Why?