Business Matters is a daily column that offers insight, analysis and opinion on the day's news.

-- Nokia says the U.S. launch of its Comes With Music service isn’t being delayed to 2010 because the U.S. launch never had a firm date in the first place. Fair enough, but judging from the lackluster launch in the U.K. Nokia may need more time to get its ducks in a row before launching in a market that (a) has strong and growing iPhone penetration, (b) has thus far shown very limited interest in subscription services and (c) may not be able to define DRM but knows it when it sees it. Since Comes With Music was first announced, the digital and mobile marketplace have changed. There are simply too many free or cheap options (Pandora, IHeartRadio, Slakcer, et al) to expect American consumers to line up to pay for tethered downloads. Maybe Americans will warm up to subscription services, but it’s going to take an absolutely killer app – like Spotify – and a free, ad-supported version to move the needle. Oh, and have you noticed how Spotify has done far better than Nokia at influencing the language used in discussion of its product? For example, the term DRM is never used in descriptions of Spotify’s iPhone app, even though those downloads are just as tethered as anything downloaded from Comes With Music to a mobile phone. Nobody is talking about how Spotify premium users won’t be able to keep the songs they download to their iPhone. On the other hand, every other Comes With Music review bemoans the plan’s lack of ownership. Right now, it’s easy to see which service is going to win over Americans.

-- The WSJ has an article on online radio service Pandora and the guidance it has received from Crosslink Capital, which led a Series C round for the company. Said Crosslink General Partner Jim Feuille: “Subscription will only work when you can create a differentiated product. The only way you’re going to make this a big business is to make it free and ad-supported.” Pandora says it is on pace for $40 million in revenues this year, has over 30 million registered users and has revenues have doubled in the last year. (WSJ)

-- Executives from three of Britain’s largest ISPs (BT, TalkTalk and Orange) were among the signors of a letter to The Times criticized the government’s plan to suspend the accounts of suspected file sharers. “Consumers must be presumed to be innocent unless proven guilty. We must avoid an extrajudicial 'kangaroo court' process where evidence is not tested properly and accused broadband users are denied the right to defend themselves against false accusations. Without these protections innocent customers will suffer. Any penalty must be proportionate. Disconnecting users from the internet would place serious limits on their freedom of expression.” (The Times Online)

Follow Billboard senior analyst Glenn Peoples on Twitter at twitter.com/billboardglenn.