What is cMoney and how does it work?

There are other mobile to mobile payment companies out there that require the NFC to authenticate transactions, how is the cMoney technoloy any different?

 What if my phone is lost or stolen can my information be accessed?

Can I apply store discount cards, loyalty cards, store credit cards, and coupons to my purchase?  What about paperless receipts?

 What if I don't have a checking/savings account or if I owe a bank/financial institution money?

 How will I be able to sign for checks and credit card purchases?

 Are there any authorization holds?

 How am I able to keep up with all my transactions?

 How will I be able to add money to my cMoney account?

 What happens if my account is over drawn?

 Can I receive money still if I am not a cMoney customer?

 How will I know when I receive money from someone?

Sometimes my bank does not reflect my account balance in "real time," does cMoney do this?

 What happens if my transaction is not completed in a certain period of time, how long is my information safe and secure?

 What if I get a phone call during the transaction?

 How does cMoney prevent identity theft?

Is cMoney ready for widespread adoption of financial services through cell phones?

Are there plans to partner with more financial institutions or with more cell phone service providers or manufacturers?

Why has there been little to no full mobile financial solution so far?

Does cMoney compete with banks or service providers like PayPal and/or Western Union?

Why is the financial industry excited about one total solution? What benefits does this bring the consumer?

How much does it cost to use cMoney?

Can cMoney provide a competitive advantage for cell phone users?