AT&T and Verizon have decided to turn smartphones into credit cards. Consumers will have to adopt practices and applications that have traditionally been used by corporate users. The integrity of a transaction is only as good as the device itself, SMobile CTO Dan Hoffman says. Users need to install antivirus, antimalware and firewall programs onto their devices. McAfee is concerned about malicious apps that will be downloaded onto smartphone platforms that can sniff out credit card information and use those credentials to commit fraud.”]