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Apps: The New Corporate Cost-Cutting Tool —

The biggest mall in town stopped staffing its customer-service desk in January. But perched on that same desk recently was a plastic cutout of a hand holding a smartphone. “Download the free app,” it said.

Apps may be creating new jobs for developers and marketers. But around the edges of the rest of the economy, they’re also starting to become a substitute for people who earn a paycheck.

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