70) Which of the following statements about m-commerce payments is NOT true? A. Use of mobile handsets as payment devices is already well established in Europe, Japan, and South Korea. B. The cell phone in the United States is not connected to a wide network of financial institutions. C. Japanese cell phones act like mobile wallets, containing a variety of payment mechanisms. D. The three kinds of mobile payments systems used in Japan are mobile credit cards, mobile debit cards, and digital wallets.