The document discusses digital commerce and mobile operator collaboration globally. It notes that operator cooperation in markets is growing and consistency and scale using digital commerce is a focus. Examples of NFC mobile payment launches and trials between mobile operators, banks, and retailers in various countries like Brazil, New Zealand, Japan, Czech Republic, and Russia are provided. The GSMA engagement process to determine common business areas and requirements to enable collaboration is outlined. Consumer and merchant benefits of couponing, stamp cards, and instant rewards programs using digital wallets are also summarized.