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We've all been there: You're making the last purchase of a long day of shopping and the clerk tells you that your card has been declined. Only hours later (and perhaps after embarrassingly arguing with the clerk that you surely have money in your account) do you find out that the bank cut off your account because it suspected fraud.

Situations like this point to the obvious need for a better line of communication between you and the people in charge of handling your money. ClairMail, a mobile banking and payment solutions company, has announced a new mobile fraud management solution that would make this situation obsolete.

Ericsson, the world's largest mobile telecom equipment maker, has today launched its own mobile banking system called Ericsson Money Services. This business is designed to make mobile money transactions both easier and more available to those without access to traditional brick-and-mortar banks. Initially, it plans to rival established money transfer services like Western Union and MoneyGram, but over the next few years, it may end up competing with credit cards as well.

Not too long ago, personal finance tools like Quicken and Microsoft Money used to be bound to the desktop. Exchanging information with your banks used to be a hassle. Keeping track of credit card purchases was often a question of waiting for statements to arrive by mail and then entering data by hand. Today, free tools like Mint, moneyStrands and Wesabe make it easy to track all of this information. Thanks to this, you can now get a better overview of your personal finances than ever before.

This is part 2 of a two-part article on the mobile e-commerce market in relation to other mobile trends.

In part 1 of this article, we looked at m-commerce's struggles in relation to other mobile markets like mobile ads and video while also discussing some of the issues mobile retailers face today. But another aspect to m-commerce's growth (or lack thereof) is the issue of mobile payment providers. Only recently have we begun to see some changes in this space - at least in developed markets like the U.S. With the recent launch of several new mobile payment services, consumers should soon become more comfortable and open to the idea of using their phones to make purchases.