Securing the convergence of cybersecurity in IoT » and mobile commerce presents several pivotal challenges. First, the proliferation of interconnected devices amplifies the attack surface, making it imperative to safeguard each entry point. Second, data privacy is paramount, with sensitive financial and personal information constantly in transit. Third, the diversity of IoT platforms and standards complicates uniform security measures. Fourth, real-time transactions necessitate low-latency responses, which can strain mcommerce trends » security systems. Finally, ensuring that users employ strong authentication methods on their mobile devices remains a challenge. Addressing these five key challenges is essential for fortifying the security of IoT-driven mobile commerce and maintaining user trust in the digital economy.