Answer:
b. Consumers find mobile devices too complicated to use for commerce
Step-by-step explanation:
This is far from being a reason why consumers and businesses have been slow to embrace mobile commerce. Consider, it is a known fact that mobile devices are more than ever before now user friendly, and information about operating them can be found quickly online.
Rather, the reasons for such slow adoption has often been attributed to consumer's concerns about privacy and security, limited and inconvenient mobile payment options, and a lack of technological standardizations, etc.