Gartner has identified the top 10 consumer mobile applications for 2012. The list is based on the impact on consumers and industry players, considering revenue, loyalty, business model, consumer value and estimated market penetration. The top ten in 2012 will include: No. 1: Money Transfer This service allows people to send money to others using Short Message Service (SMS). Its lower costs, faster speed and convenience compared with traditional transfer services have strong appeal to users in developing markets, and most services signed up several million users within...

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