...Mobile Banking “Making Cash, Checks, Credit Cards Obsolete” Abstract With the growing and widespread use of smartphones applications for both the iPhone and Android there is very little you can’t do virtually. From banking to shopping, in-person visits to Skype and face time, putting a key in your car to start it to remotely starting your car and setting the temperature, being at home turning on lights and adjusting your thermostat to doing the same functions remotely using a smartphone. Smartphone applications have offered instantaneous, real-time efficiencies in our day-to-day life. Two generations ago you had to physically get up to change the channel on your television. Now you can talk into the remote control for channel changes and special programming. The same goes for banking. Everything is about speed of transaction and efficiency. Cash and credit card transactions are becoming obsolete with the advent of smartphone applications. Today you can shop, make purchases, and make bank deposits and transfers without leaving the comfort of your home. This paper explores how new technology and smartphone applications are used for mobile banking rendering cash, checking and credit card transactions obsolete. Keywords: Mobile Banking, Security, Cost and Benefits, Future Technology Mobile Banking “Making Cash, Checks, Credit Cards Obsolete” Mobile banking is becoming increasingly popular with over a billion mobile devices in use today. If you are a smartphone user...
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...What’s a mobile phone virus? A mobile phone virus or mobile malware - malicious mobile software - is a computer virus specifically adapted for the mobile phone environment and designed to spread from one vulnerable phone to another. A virus is a program code that replicates by being copied to another program. Viruses can be transmitted as attachments to an email or in a download file. Some viruses take effect as soon as their code is executed; other viruses can lie dormant. A virus that replicates by resending itself as an email attachment or as a part of a network message is known as a worm. Viruses can range from benign to quite harmful; they can erase data from the infected phone or send fake messages purporting to be from the phones owner. How prevalent are mobile phone viruses? The current security risk from mobile phone viruses and worms is low. Until many more smart phones or PDAs are in use, and users of these phones are regularly exchanging executable files, the risk will remain low. The mobile industry takes the threat of viruses very seriously and is continually monitoring its networks and working to protect users from any future risk from mobile phone viruses. There are also some simple measures that individual users can implement to protect themselves. What can I do to protect my phone? The following tips can help prevent problems with viruses on your phone: 1. Switch to Bluetooth hidden mode. If your phone has Bluetooth capability, ensure...
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...Mobile technology is the technology used for cellular communication. Mobile code division multiple access (CDMA) technology has evolved rapidly over the past few years. Since the start of this millennium, a standard mobile device has gone from being no more than a simple two-way pager to being a mobile phone, GPS navigation device, an embedded web browser and instant messaging client, and a handheld game console. Many experts argue that the future of computer technology rests in mobile computing with wireless networking. Mobile computing by way of tablet computers are becoming more popular. Tablets are available on the 3G and 4G networks. Contents [hide] • 1 4G networking • 2 Operating systems • 3 Channel hogging and file sharing • 4 Future of smartphone • 5 External links • 6 References 4G networking[edit source | editbeta] One of the most important features in the 4G mobile networks is the domination of high-speed packet transmissions or burst traffic in the channels. The same codes used in the 2G-3G networks is applied to 4G mobile or wireless networks, the detection of very short bursts will be a serious problem due to their very poor partial correlation properties. Recent study has indicated that traditional multi-layer network architecture based on the Open Systems Interconnection (OSI) model may not be well suited for 4G mobile network, where transactions of short packets will be the major part of the traffic in the channels. As the packets...
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...cell phones, and after spending an extended amount of time doing the research, the findings negating cell phone safety was irrefutable. I think that since cell phones are such a highly debated topic, it was an awesome subject to tackle, and I hope this paper can help people think twice about cell phone safety. Unseen Dangers: The Reality of Cell Phones The Industrial Revolution marked the beginning of modern technology, creating fruitful moments in history that paved the groundwork for the Information Age. The advancement of computer chip technology allowed us to create the modern day cell phones, revolutionizing the concept of communication. Today our lives depend on these mobile phones, which have advanced into mobile-computers. Despite the beneficial uses and entertaining characteristics of the mobile phone, the devices are highly debated over their potential health risks. As the device becomes pervasive in modern society, it is important to more fully understand the potential health hazards that growing evidence suggests, and to ultimately reevaluate the information that industry funded and tailored studies supply for the public in the United States. Are cell phones the pinnacle of wireless communication, or what if these contemporary devices increase the risk of life-threatening illnesses for billions of people worldwide? The rapid development of communication technology has created extraordinary conveniences for our everyday lives. George Zysman provides an excellent explanation...
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...results show that there is a significant relation between the brand name and the preference of customers. Hence, it has been recommended that telecom companies should focus on connectivity, call rate, coverage and network quality. Keywords: Customer Satisfaction & Expectation, Customer Preference, Product Quality, Value for Money, Analysis of Strengths & Weaknesses of the Product. INTRODUCTION The breathtaking growth of the telecommunication companies in India over the last twenty years has made a history. The economic resurgence affected in the early 1990s brought around a paradigm shift on the overall business scenario of India. With the arrival of private telecommunication companies in India, the industry observed introduction of mobile phones into the Indian market and it became extremely popular amongst the Indian masses. India's telecom sector has shown huge expansion in the recent years in all respects of...
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...Telematics and Informatics 27 (2010) 242–255 Contents lists available at ScienceDirect Telematics and Informatics journal homepage: www.elsevier.com/locate/tele Analysis of users and non-users of smartphone applications Hannu Verkasalo a,*, Carolina López-Nicolás b, Francisco J. Molina-Castillo b, Harry Bouwman c a b c Helsinki University of Technology, 02240 Espoo, Finland University of Murcia, Spain Delft University of Technology, The Netherlands a r t i c l e i n f o a b s t r a c t Purpose: Smartphones facilitate the potential adoption of new mobile applications. The purpose of this research is to study users and non-users of three selected mobile applications, and find out what really drives the intention to use these applications across users and non-users. Design/methodology/approach: The authors measured actual usage of mobile applications in a panel study of 579 Finnish smartphone users, using in-device measurements as an objective way to identify users and non-users. A web-based survey was used in collecting data to test an extended TAM model in explaining intention to use. Findings: Perceived technological barriers negatively affect behavioural control, reflecting people’s assessment of themselves being capable of using the services without trouble. Behavioural control is directly linked to perceived usefulness (except for games) and perceived enjoyment, as hypothesized. Perceived enjoyment and usefulness were generically found to explain intention to use applications...
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...Research Paper Commerce Mobile Banking in Rural India: Roadmap to Financial Inclusion * Ms.Rati Dhillon * Assistant Professor, Department of Commerce, Bharati College, University of Delhi t ABSTRACT The concept of digital inclusion in the banking industry has become a parlance in the worldwide. The term digital inclusion provides the people the skills of basic technology to participate in the knowledge economy that lead to an enhanced performance of macro-economic. The study deals with the mobile banking in India. This study in detail discusses about the mobile banking, the emergence of mobile banking and present scenario in India, mobile banking in rural areas of India, how mobile banking helps in achieving financial inclusion. Further it will also discuss how mobile banking helps in overcoming the financial challenges with the analysis of scope of mobile banking in the near future. Keywords : Digital Inclusion, Banking, Mobile Banking, Rural, Financial Inclusion Introduction to Mobile Banking According to Tiwari and Buse (2007) mobile banking is also referred as m-banking, SMS banking and so on. Mobile banking is the term used for performing account transactions, balance checks, credit applications, payments and more through a mobile device like tablet computer like iPad or mobile phone. Mobile banking is a provision offered by financial and banking institutions that help users avail their services with the help of devices like mobile phones and other devices. The...
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...The Mobile Landscape Insights for Advertising April 25, 2011 Table of Contents I. Introduction 3 II. Consumer Behavior Trends 4 III. Mobile Technology 7 Mobile Devices and Services Other mobile-relevant technologies of interest The Development of Native Apps vs. Web Apps IV. Mobile Advertising 16 Banner ads on mobile devices Mobile applications or apps Mobile gaming Mobile commerce Location-based services or LBS Mobile and Health Mobile Metrics and Analytics V. The Future of Mobile Media 30 VI. Conclusion 34 VII. Works Cited 35 Part I: Introduction As predicted nearly ten years ago in their article, “The Death of Advertising,” Roland Rust and Richard Oliver wrote, “the new media represent a vast ‘network of networks,’ now often referred to as the information superhighway. A technical reality, major parts of the information super highway are under construction all over the US (1994).” During the digital revolution of the last decade, modern humanity has experienced a shift in traditional media consumption habits, which is now culminating with mobile technology. In examining the emerging mobile landscape, two things are increasingly apparent. One, mobile technology is heading into uncharted territories. Two, this is happening at unprecedented rates. This landscape is so unpredictable that the introduction of a new highly...
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...ABSTRACT In the context of the rapid growth of mobile computing penetration in developing countries, mobile telephony is currently considered to be particularly important for such development. Yet, until recently, very little systematic evidence was available that shed light on the developmental impacts of mobile computing. The objective of this paper is to evaluate the problems and prospects of mobile computing in Nigeria. The paper will be analyzed by theme in order to provide a thematic overview as well as a comparative analysis of the development role of mobile computing. In exploring the evidence from completed projects as well as the foci of new projects, the paper summarizes and critically assesses the key findings and suggests possible avenues for future research. CHAPTER ONE INTRODUCTION The fusion of computer and telecommunication technologies has heralded the age of information superhighway over wire-line and wireless networks. Mobile cellular communication systems and wireless networking technologies are growing at an ever-faster rate, and this is likely to continue in the foreseeable future. Wireless technology is presently being used to link portable computer equipment to corporate distributed computing and other sources of necessary information. Wide-area cellular systems and wireless LANs promise to make integrated networks a reality and provide fully distributed and ubiquitous mobile communications, thus bringing an end to the tyranny of geography. Higher...
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...Mobile Marketing: E-commerce site uses responsive design to achieve an 8% lift in cart abandonment campaign SUMMARY: The e-commerce website for Warehouse Shoe Sale, ShopWSS.com, realized that almost 70% of its audience read emails from their mobile devices. However, the design for the ShopWSS.com emails was not responsive to the device. See how the marketers took their active cart abandonment email and optimized it for mobile, and how through A/B split testing, achieved an 8% lift in conversions from responsive emails. by Courtney Eckerle, Manager of Editorial Content CHALLENGE ShopWSS.com, the e-commerce arm of WSS — the new name for Warehouse Shoe Sale, a 62-store chain mostly located in Southern California — has only been up and producing measurable revenue for about the past three years, according to Erica Forrette, Senior Manager of Digital Marketing, ShopWSS.com. "There was a re-platforming at the time … I joined the company about a year-and-a-half ago and my role is to drive traffic and sales through online channels and mobile channels," she said. Because of that transition, the team began harvesting more insights into email subscribers, particularly what devices they were using to read WSS emails. "We found that a really high percentage, close to 70% of people, were using mobile devices to read our emails, so it became pretty clear that we needed to optimize our email creative," she said, adding that around 50% of site visitors are viewing on a...
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...physical changes to occur most definitely. “Projected screens and keyboards that can be used on walls and other surfaces are also a given. As are hologram projection screens and keyboards, both 3D and flat (Baker, 2011).” As bulky and spacious as PC desktops are, there are also positives about them as well. One reason you won’t see PC desktops vanish is because of their ability to process and store much more than any mobile device. A mobile device just can’t handle as much as a regular computer can. A lot of that has to do with the fact that researchers are having a difficult time trying to give mobile devices the same “power” as a desktop computer but in a much much smaller space. The main reason manufactures want to claim the desktop as being dead is because they want their product (mobile devices or wireless notebook/tablets) to sell quickly and then they can be off to the next adventure with the new products in town. There will come a time when the desktop will finally see its end in the technology world but until researchers can figure out a way to get mobile devices to act and manage as a desktop computer, then desktop computers are far from being extinct yet. For example, I can’t print from my cell phone (at least not to my knowledge!) therefore I have...
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...Mobile Computing and Social Networks CIS 500 June 4, 2012 Mobile computing and social networks are not only good for keeping in touch with friends and family or playing games, but business have also gotten on the band wagon and developed apps to conduct work. One of the apps that are being used often is geo-location. This type of application is a technology that uses data obtained from an individual’s mobile device to identify or describe their actual physical location at a given point in time. This app benefits not only the business that uses them but also the general public who has it downloaded on their phone. It’s efficient for us as customers because we can receive information that is instantly relevant to a purchase decision, to location-specific discounts and services (Jaiswal & Nayak, 2010, p. 1). Business use this for marketing strategies in order to get new customers and returning customers to keep coming back and making purchases. Other ways that business uses geo-data are Know Your Customer (KYC), delivery and assessment management, cloud balancing, content customization, vehicle Ad Hoc Networks, and Real-time incident management just to name a few. It has become easier and easier to capture this information due to the ability of mobile phones, GPS devices, even swiping are debt or credit cards. Every time we use one of these devices information goes into a data warehouse for businesses to use. There are two ways that geo-location data is...
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...Mobile Technology and Social Networking in the Health Sector Introduction Rapid technological advances have brought about a new twist of operation in the health segment. Mobile computing devices and other portable devices such as iPods and iPads have redefined the relationship between computers and human beings. These technological advances signify substantial evidence of departure from computational paradigms, which necessitated users to explicitly interact with computing systems to achieve the expected results. The health sector is also demonstrating its pursuit to be in tandem with the changing technology. By using advanced methods, which are not substitutes, but techniques to improve monitoring of patients health, the sector has demonstrated the efficiency of the use of technology to monitor patients’ status even while at home. This global integration of operations from different applications enables data sharing, via image, and voice outputs. According to Magal and Word (2011), patient monitoring is indispensable to any health facility. Several departments are equipped with electrical and computing devices that facilitate the monitoring of patient status. Not only are these facilities meant for use in the health centers, but also, technology has opened up other platforms through which patients can share their experiences with other patients of similar conditions, and monitor their health progress without the need of visiting health centers physically. Comparison of Inpatient...
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...Web or Mobile System Paper Web or Mobile System Paper A mobile application is a one touch software program used to run on Smartphones and other mobile devices. Mobile apps usually help users by connecting them to the specific services more commonly accessed on laptop or desktop computers, or help them by making it easier to use the Internet on many devices such as a Smartphone, MP3 player or tablet computers. A mobile app may be a mobile Web site bookmarking utility, a mobile-based instant messaging client, or many other applications. I recently upgraded my Smartphone from a Blackberry device, to a phone with the Android operating System, a Motorola Droid Maxx. I was stunned to find so many applications that I could download and use for free. Since I upgraded my Smartphone to the Motorola Droid Maxx at the height of gas prices barreling out of control, I wanted to find an application that could assist my family and me, in finding the cheapest gas station around my current home since I primarily fuel at gas stations near there. In the past, I used to drive to different gas stations in the neighborhood to check the prices of each station until I found the one with the cheapest prices. At times I ended up driving back to the previous station to get the lowest prices. The gas stations are only a few short blocks or up to ½ a mile away from one another so it was not a big burden to drive back and forth. The first thing I did was research apps and find an app that...
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...prosperity for those who leveraged, adapted, and utilized the new technology. Smart Phones, Tablets, & other mobile devices are rapidly growing and are becoming common place around the world. Mobile devices will not only change the way we do business, it will revolutionize it. This technology will change business models, create revenue streams, and improve consumer’s lives. (Mcdermott, 2011) Mobile devices are heralding in this new revolution, changing the dynamics of business, and transforming how businesses operate and interact with consumers. Mobile computing consists of hand-held/mobile devices usually with a miniature keyboard, which allow users to instantly access information, instantly communicate with others, use applications to solve problems, or just relax and socialize with others while on the go. These devices generally consist of smart phones and tablet computers. Most mobile devices use touch screens, which allows the consumer to interact in a unique way with their device. The most important technology within mobile devices is the device’s operating system. Operating systems include Android, RIMM, IOS, and Windows Phone 7. According to NPD, the current market share of operating systems being used in the Smartphone industry is Android with 53% of the market, IOS with 29% of the market, RIMM with 10% of the market, and Windows mobile with 3% of the market. (Sakr, 2011) The operating systems vary by system, but operating systems are a large part of...
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