...Operational Model The Operational Model has a series of activities which is demonstrated and discussed below: Figure [ 1 ]: Operational Model Negotiation and Convincing the Mobile Phone Operators There are six mobile phone companies operating in Bangladesh. They are GrameenPhone, Banglalink, Airtel, Teletalk, Citycell and Robi. The initial work will be to convince the mobile phone companies to agree in this campaign. First, we will talk to the CFOs of these 6 mobile phone operators. Later,there will be several meetings with CEOs of each of the companies. The moblie phone companies of Bangladesh are alread capitalizing on public emotions. They promote such causes a lot. So supporting such a campaign will work as a plus point for their beand image. Mobile phone users in Bangladesh are also inclined emotionally to those brands which fulfill their social responsibilities by serving the countrymen. If one of the companies agrees with us then others will also do the same thing. They will do so because otherwise their competitor companies will make a soft corner and a special space in the minds of people. So it is highly likely that if one telecom company can be convinced, others will also be convinced for the sake of holding their positive public image high. BRAC Bangladesh is a recognized trustworthy name not only locally but also globally. BRAC has been supporting such social causes for a long time. So it will be comparatively easier to go in negotiation with the companies...
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...provide better customer services. In today’s business, technology has been the largest indicators of growth and competitiveness. The banking industry today is in the era of its revolution. The increased dominance of mobile phones provides exciting opportunities for the growth of mobile banking. Mobile banking is a system that helps the customers to conduct a number of financial transactions with the help of their mobile devices. Mobile banking is a revolution that is driven by the world’s one of the fastest growing sector, mobile communication technology. This paper examines the need and importance of mobile banking in modernize era of technology. Introduction The mobile banking is defined as the provision of banking services to customers on their mobile devices. Mobile Banking refers to provision and usage of banking and financial services with the help of mobile telecommunication devices. Mobile banking is a system that helps the customers to conduct a number of financial transactions with the help of their mobile devices. Mobile commerce is a natural successor to electronic commerce. Where a mobile device is used to initiate, authorize and confirm an exchange of financial value in return for goods and services. Mobile devices may include mobile phones, PDAs, wireless tablets and any other device that connect to mobile telecommunication network and make it possible for payments to be made. The bank provides mobile banking services to their customers, wishing to increase...
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...Problem Statement BofA launched mobile banking in May2007, to allow customer to access the bank through mobile application and through mobile web on their phone browser. In less than three years BofA had around 4 million mobile banking customers at an adoption rates five to eight times that of the online banking. Because of this success, the line-of-business managers like mortgages and credit cards were asking for more upgrades to leverage the mobile platform. This request created a dilemma for the BofA management as adding more feature to the existing app will make the bank’s mobile app more complex. This complexity could slow down the performance of the app and negatively affect user experience. The management also noted that this kind complexity has led to some high-profile failures in the marketplace. Also, it was unclear if the users were ready to sign up and use these added features like mortgage service or credit card on their mobile phones. The other option the management was considering is, create multiple apps to target different target groups. But to follow this option the management has to reprioritize critical bank technical resources from other important business areas, such as online and ATM. These were the factors that the management needs to take into consideration while coming up with a solution. Strategic Situation Facing Management The U.S financial industry was fragmented, with thousands of banks offering retail and wholesale banking services. BofA...
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...PROS OF CELL PHONE IN MODERN SOCIETY | December 10 2011 | | BILL HASBUNE | PROF. ARTHUR CACACE PROS OF CELL PHONES IN MODERN SOCIETY INTRODUCTION: The concept of the cellular phone has been around since 1947; however the technology to do so did not exist until 1973. According to (wikipedia.com) “In December 1947, Douglas H. Ring and W. Rae Young, Bell Labs engineers, proposed hexagonal cells for mobile phones in vehicles. Philip T. Porter, also of Bell Labs, proposed that the cell towers be at the corners of the hexagons rather than the centers and have directional antennas that would transmit/receive in three directions into three adjacent hexagon cells on three different frequencies. At this stage, the technology to implement these ideas did not exist, nor had the frequencies been allocated. Several years would pass before Richard H. Frenkiel and Joel S. Engel of Bell Labs developed the electronics to achieve this in the 1960s” .It was not until in 1973 On April 3, Martin Cooper, a Motorola researcher and executive, made the first analogue mobile phone call using a heavy prototype model. He called Dr. Joel S. Engel of Bell Labs “There was a long race between Motorola and Bell Labs to produce the first portable mobile phone. Cooper is the first inventor named on "Radio telephone system" filed on October 17, 1973 with the US Patent Office and later issued as US Patent 3,906,166. John F. Mitchell, Motorola's chief of portable communication products (and Cooper's...
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...online from his mobile web connection. Secondly, he can use his mobile device as a way of physical payment in a shop which thus replaces money, checks or credit card. 2. Why might it be useful to m-commerce providers to have records of their users’ purchase histories? It is useful for m-commerce to provide and show the records of their users’ purchase which is help keeping track of the past users’ purchases .Also, it can be useful to providers in both the two aspects of m-commerce, shopping via mobile phone and mobile payment. The old records will give information to the provider about the specific tastes of individual clients which is enable providers to promote personalized offers to their clients based on the client’s interests. On the other hand, regarding the mobile payment side, past records can provide information about the types of stores and situations where the service has been more utilized. 3. What is the biggest concern most cell phone users have about using m-commerce services? What are some other concerns? There are many things that worry the user such as unsafe electronic payments, improper use of personal data, data gathering as a liability for users, and privacy...
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...scientific knowledge applied in our everyday life. They offer fresh and a new ways of communication, something different what was used by previous generations or perhaps just a few years earlier. These new communication technologies certainly influence and change the way we live and manage our communication, social and business activities. One of these new communication technologies is the so-called “smart-phones”, which are the combination of cellular phones and computer based technology. “The growing capabilities of handheld devices and transmission protocols have enabled a growing number of inventive and fanciful applications—for instance, augmented reality” (Hosch Encyclopaedia Britannica2012) They incorporate a whole list of features, example touchscreen (which is almost a standard application these days) internet browser, high resolution camera, capable to take High Definition Videos apart from HD still shots, navigator, Mp3 music player, document viewer, Bluetooth, USB, alarm clock, calculator, calendar. It brilliantly works with Wi-Fi and after all, it is also capable to make phone calls too. Reference: smartphone 2012. Encyclopædia Britannica Online. Retrieved 25 February 2012, from http://www.britannica.com/EBchecked/topic/1498102/smartphone 2. Definition of technology & relevance - Posted: 28 FEB 2012 The definition of “Technology” by the Oxford Dictionaries: * The application...
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...purchase customers. When we ask people what brands of mobile do you know, we can find all of them can say “Samsung”. We know from decision process model, before we buy a good, we must search for information, and we do search from our internal information first. As Samsung is already been saved in our memories, people would do more research about the phone’s details if they would like to buy S4. I believe most of us can recall the S4 advertisement, it has a new function – we can go next page without touching the screen. We might not need this function, but it can wake up our curiosity. When we go to try this function at retail shops or search the information from internet, it might affect our desired states – our existing phone is quite outdated, maybe buy a new phone. Samsung shops are now available in Hong Kong, the shops of course only sell Samsung products, and S4 must be there as well. When we do purchase, we might influence by the salesperson – they might sales other brands to us instead of the brand which we wanted to buy. If we go to Samsung shop, the...
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...Texting has been around for a while now but it has started becoming very popular and trendy over the last several years. In 2005 I purchased my first cell phone a Boost Mobile/ Walkie Talkie Phone. I was able to send text messages but never did. Being a prepaid phone it was expensive and I preferred for every bit of my time to go towards and actual conversation. However once phone companies started offering plans of unlimited texting, texting became very popular. I can appreciate the fact of how convenient texting is. It’s a great way for people to communicate quickly and quietly. Texting is a accommodating device to use when transferring information, directions, and other helpful things. On the other hand there are cases of the negative effects texting can cause people. I watched a television program on MTV about two young ladies who considered their selves textaholics. (http://www.mtv.com/videos/true-life-im-a-textaholic/1672744/playlist.jhtml, True Life: I am a Textaholic, October 2011) One young lady was a senior with the dream of playing volleyball in college. She texted so much that she begun having difficulties in her wrist. She also was going to have to have surgery. What surprised me was that her mother was asking her if she could text less. If a child cannot resist the urge to lay their phone down for their own safety and health reasons then a parent needs to step in. At the end the girl reduced her text messaging by thousands but ended up not playing volleyball...
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...Questionnaire: Mobile … 1 3 Descriptive and demographic data 1 4 Hypothesis 1 4.1 Hypothesis 1: 1 4.2 Hypothesis 2: 1 4.3 Hypothesis 3: 1 4.4 Hypothesis 4: 1 5 Conclusion 1 References 2 Appendix II 1 Introduction With more than 1.08 billion smartphone users in the world, the mobile world and especially the smartphone consumption is expanding at a rapid pace. For what do people use its mobile devices? Just for talking or even to make purchase decisions inside a physical store? What role does the people’s age play in this investigation? In order to understand the world of smartphone users, we applied some meaningful data from the Princeton Survey Research Associates International (PSRAI) about the device ownership and cell phone usage during purchase decisions and analyzed it with SPSS. Having observed and compared the data, we used statistical test of hypotheses to receive decision rules for such equitation. First of all we formulated some null hypotheses (Ho), which states that there is difference from the hypothesized value and the corresponding alternative hypotheses (H1) the opposite of the null hypotheses. Since we will never know for sure which of the two hypotheses is true, our decision will include errors: Type 1 Error and Type 2 Error. The lowest level of significance tells us the lowest desired probability of a Type 1 Error and allows rejecting H0. This value is called the p-value. If the p-value is lower than the significance level 0, 05% the H0 can...
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...operators have been given permission to sell railway tickets and tickets of cricket matches organized by the Bangladesh Cricket Board (BCB) using mobile technology. Three Telcos have got permission for m-Commerce related transactions. Approximately 425,000 utility (water, gas and electricity) bill payments are made and 12,000 train tickets are sold per month. Besides, tickets of the cricket matches organized by Bangladesh Cricket Control Board are also sold via m-commerce. Mobile commerce (m-commerce) is basically an extension of e-commerce on the mobile phone which enables consumers to make payments for goods and services directly from their mobile phones. This gives the consumer the benefit of making payments from anywhere without the hassle of physically being present at a store, standing in a line or turning on a PC to transact online. M-commerce replaces wallet An m-commerce consumer has the flexibility to use the mobile phone as a replacement to a wallet and make payments at a physical location,...
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...A Breeze through Popular Culture Often parents and adults say that we teenagers text too often, play video games for vast hours, and that we watch unworthy fake news programs. In addition they say that all this diminishes our intelligence, however this is not one hundred percent true. Furthermore, I will acknowledge that text speak, video games, and fake news are instead changing the way people think in a positive manner. Although this is not a traditional way of gaining knowledge, it is still a growth that people who think in a conservative way have to accept. Text speak, video games and fakes news, have created a different way of learning, enhanced our communication skills, and they have increased our imagination. An examination of 2B or Not 2B by author David Crystal, Extra Lives: Why Video Games Matter by author Tom Bissell, and The Good, the Bad, and The Daily Show by author Jason Zinser will reveal to us how text speak, video games, and fakes news also result in positive outcomes. Text speak, video gaming, and fake news have revolutionized the way we learn. David Crystal, well known for his work in English language studies and linguistics, says in his essay 2B or Not 2B that text speak is not something alien to us, the way we use text speak is what is different. It is important that we teenagers establish to parents, adults, and teachers that we are not destroying the English language neither adapting poor writing habits by abbreviating words. I have made the conclusion...
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...Philadelphia, PA February 27, 2012 People Use Mobile Phones in Different Situations! 2 Mobile Marketing • Definition: Mobile Marketing is a set of practices that enable organizations to communicate and engage with their audience in an interactive and relevant manner through any mobile device or network. (MMA 2009) “Brand in the Hand”: The convergence of mobile handsets and the Internet creates new opportunities for e-commerce and interactive marketing. It is the potential for branding, mobile communications, and e-commerce to be delivered in the pocket, in the car, in the hand. (Sultan and Rohm 2005, Adidas) • Uniqueness of Mobile: Interactivity and Location Specificity! 3 The Mobile Frontier is Here and Now! • • • • Wireless subscriber connections in the U.S. reached 322.8 Million in 2011 (CTIA) 31% of all U.S. households have only a wireless phone. (CTIA) U.S. smartphone usage is 48% of all mobile phones as of Jan 2012 (Nielsen); 42% (comScore) There were 400 different models of smart phones on the U.S. market, at end of 2011 – Android and iOS account for 3 in 4 smartphones in the U.S. (comScore) The annualized U.S. wireless industry total revenue for 2011was $164.6 billion, $55.4 billion coming from data. (CTIA) • 4 U.S. Mobile Internet Usage • By 2015 mobile internet usage in the U.S. will overtake PC web usage. – This means more people will access the web through a mobile phone or a tablet than through a PC! (IDC) 5 Mobile Ad Revenue ...
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...is clear from the success that the trio understood clearly the customer’s need at that time and also the value that the customer was expecting. Right from the start, the trio defied the regular rules of the industry to achieve one single goal – to gain new subscribers whilst delivering value to the customer. The concept of the service, the pricing, the content available, the billing structure, the hardware used to access the service were all conceptualized and developed keeping in mind the convenience to the user and were responsible for the success of the product. The whole concept caused a paradigm shift in the way the Japanese telecom industry operated, from adopting easy transmittable data standards, to the ease of use of the phone developed to provide the i-mode service, this shift actually brought to the customer the value they wanted. The value offered to the consumer was immense from the aspect that DoCoMo went in for extremely strategic and valuable tie-ups like financial services, airlines, hotel, retail, and news, they also tied up with the less serious content providers like horoscope, tones etc. We can say that in terms of content the company focused on providing value content to the customers. From hardware perspective, they worked closely with the vendors to...
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...I believe that the technological change that has had the largest effect on life in this country is the Internet. When broadcast television came in to the scene it provided entertainment and information, this is similar to what the Internet is providing people today. However, the Internet does provide certain advantages over television. The three main advantages that the Internet has are that it provides instant access to specific information, information that can be accessed from anywhere in the world, and that the Internet is interactive. Society has become very big on instant gratification. People need their information right now and the Internet can give us that. The Internet is an excellent source to find information and the best part about this is that people get their information instantly. People now have instant access to the news, stocks, weather, online bill pay, electronic mail, encyclopedias, and many other resources to conduct research on any given subject. With the Internet accessible from anywhere in the world, life without the Internet is unimaginable. The Internet is available to us at airports, Starbucks, McDonalds, hotels and many other places that Americans travel everyday. With the technology of an air card one can plug that in to a laptop and have instant access on vacation in Europe, a Business trip in the Caribbean or working from home in Alaska. The Internet is interactive; one can choose what they would like to view. People no longer have to see...
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...Evolution of smart phone industry. How is the industry doing? The Indian mobile industry has evolved rapidly. In the first phase of the evolution primary focus was on voice based services. The supply side players have designed and successfully implemented low cost, profitable operational models to tackle the first phase. Internet penetration in India is expected to be driven by mobile and is expected to drive the next growth phase in Indian Mobile industry. In order to cater this growth trajectory mobile handset manufacturers are introducing new products in the market that are technologically advanced. The India Mobile handset market posted a net growth of 14.7% in FY13 whereas gross sales piled upto Rs 35,946 crore as compared to Rs 31,330 crore in FY12. The sale of Smartphone primarily contributed for this growth. According to the data received from CyberMedia Research (CMR) that tracks shipments of mobile handsets on a monthly basis, India registered 73.5 million mobile handset shipments for the period January-April 2013, registering a growth of 11.1% year-on-year. During the same period, 9.4 million smartphones were shipped in the country, a growth of 167.3% on an annual basis. Form Factor | Unit Shipments Jan-Apr ‘13[million] | Growth (YoY) Jan-Apr ’13 over Jan-Apr’12 | Unit Shipments Apr’13 [million] | Growth (YoY) Apr ’13 over Apr’12 | Mobile Handset | 73.5 | 11.1% | 19.4 | 22.1% | Featurephones | 64.1 | 2.4% | 16.6 | 10.3% | Smartphones | 9.4 | 167.3%...
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