It is everything that E-Commerce is, but a lot more! M-commerce is the buying and selling of goods and services through wireless handheld devices such as cellular phones and pda’s. M-commerce enables users to access the Internet without needing to find a place to plug or log in. The emerging technology behind m-commerce, which is based on the Wireless Application Protocol (WAP), has made far greater strides in Europe, where mobile devices equipped with Web-ready micro-browsers are much more common than in the United States. But now, with SelfBank Mobile Banking and Payments, M-commerce is going to a whole new level, not requiring special software or hardware and can work on any phone or carrier and POS system.