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Biometrics, as well. and five, location-based mobile commerce. customers don't like long lines. now, companies like apple are giving them the option to check out using their phones. generally when people think about an institutional loan, they think banks. but there are a number of alternatives out there, which is good news since banks turn down the majority of requests. know yeah breslow is the ceo of on deck, a technology company providing small business owners access to capital. great to see you, noah. >> thanks for having us. >> i love this conversation because so many times people come up...

About 7% of total sales. they estimate mobile commerce could be about a trillion in revenues in 2016, 2017. so ecommerce is growing significantly. there is is a loft businesses that are still not online and don't have an online presence. >> that makes no sense to me. a lot of businesses that don't know that they can go and create a simple web site to get online so you can jump on your mobile guess. if you are out looking for a pizza shop you are most likely looking for it on your mobile device. if you are not online that's a customer you just lost. >> advertising as well as being able to take ...

>> i did, actually. >> as of 9:00 p.m. last night on-line sales were up more than 28 percent over last year. the topics amazon kindle fire followed by the boot, mobile commerce. >> proving to be more of a growing trend more than a 5th of us used mobile devices to purchase. >> operation santa starting it's 100th year. >> it's the 100th year birthday. more than 1 million santa letters are expect to do come into the post office. it links anonymous donor with a child to have their christmas wish list fulfilled. super storm sandy has increased the number of families in need and dressing the number ...