I admit, it was weird when my monthly MasterCard bill first arrived with a total charge of 99 cents for a single music download. I wasn't raised to use credit for such a small purchase. Am I allowed to have such a tiny transaction? Don't they discourage that kind of spending and can MasterCard afford to do that?

Of course they can. It's Chris Anderson's book, The Long Tail that describes how you make a lot more money selling lots of small things rather than a few big ones. My MP3 download was just anther tiny but accepted data transaction that, in the business-to-business and business-to-consumer worlds, you can expect a lot more of. You may not see this behind the apps on your iPhone, but it is already happening.

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