Through strategic partnerships in the credit card industry, SmartReply has developed and launched the first nationwide mobile credit commerce solutions which enable consumers to apply for credit by mobile while in-store, and to pay by mobile in-store, without additional devices at point of sale and without any revenue share to carriers or handset manufacturers. The solution launched to over 500 retail stores prior to the 2009 retail holiday season, and expectations of increase purchase amount, consumer usage and usability, and activation were far exceed. Additional national retailers are coming online throughout 2010.