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JOIN is a mobile operator that started in Luxembourg in 2013. Today, JOIN is 100% owned by POST Luxembourg group, which has four stores in Luxembourg. There, you know almost everything! With the popularity of smart phones, businesses are also targeting mobile payments. Mobile payment actually covers a series of products and mechanisms, and the whole value chain also involves the interests of mobile operators, service providers, equipment manufacturers, major merchants, end users and other parties. What are the forms of mobile payment and what are the advantages and disadvantages of different payment forms? A team of researchers at Business Insider has published a report on these issues, which they've compiled below. First, they define mobile payments as a system that allows users to purchase goods or services directly from their mobile devices, or to exchange money, using a variety of mobile-specific technologies. There are four main forms of mobile payment: