Tag Archives: Mobile

Banking

WAP Billing: An Important Mobile Banking Application

WAP which is the abbreviated form of Wireless Application protocol, is an international standard. It allows mobile tools like smartphones, iPhones and laptops to acquire internet connection while becoming compatible with big network bearers. The ability to authorize transactions allows WAP to supersede the recent implementation of mobile banking applications through 2 way messaging (SMS).

WML (Wireless Markup Language), is a variation of HTML that is used for making applications for wireless devices through open platforms, and is used for WAP billing as well. During a normal WAP billing procedure, packets carrying data, from wireless devices use the wireless network configured according to the WML settings to travel to a WAP gateway. Certain parts of data that are crucial are rearranged and then shifted to a server that can handle HTML. server, in route to a wireless device.

The WAP solutions described are generally in two parts: 1) a WAP server that distributes information and applications and 2) a WAP gateway controlling access. operators. Presently, banks are going for a closed model for WAP banking implementations, and servers are able to stay on the main site of the network. This allows banks to release control of their information and provide access to mobile banking applications and operators. However, there is a security glitch in the closed model which happens because of unencrypted data at the server that undermines the security. Conversely an open model has the gateway and server situated within the secure environment of the bank and it can deal with such issues. However, it is a lot cheaper to install closed models, and they provide fast marketing as well.

You have to realize the fact that more usually than not it is the customers who have to manage their banking requirements. These include going to an ATM, making a deposit or transfer, or calling a call center for those dreadful customer service automatic systems. You are supposed to take the initiative in these areas of banking. Managing your bank account can never be simple, and entails a lot of labor. But, if we take benefit of the fact that there are more than four times the amount phones (smartphones, iphones, etc) as PC’s in circulation today, our life could be less troublesome. Mobile banking applications and WAP billing is being used by major banks around the world. Because of this, banking has become a lot more secure convenient and trouble free.

WAP billing is often a latest road to provide for goods. Mobile banking applications turned out to be more popular on earth. Involving our world-wide-web has already extra info.

Banking

Smartphones and the New Frontier of Mobile Banking and Money Transfer

M-Banking, short for mobile banking, may be the hot new tech catchphrase, but it is more than just a clever term. It’s a real advance in the way that routine financial dealings are carried out. From the purchase of a cup of coffee to refinancing a mortgage, its full potential is just beginning to be explored.

Online banking was once viewed with suspicion as a security risk, but in a few short years it became established as the new standard for account management and basic transactions. Today, almost everyone takes advantage of the convenience to some extent. Now, smartphone technology is at the forefront of a new direction for banking across the internet. The combination of image capture, internet access, SMS capabilities, and GPS positioning in a single object that slips into a pocket make for powerful potential

Financial institutions know this, and have, accordingly, stepped earnestly into the arena of applications, fondly called apps, for mobile banking. The popularity of these apps doesn’t come as a surprise. No one ever looked forward to standing in line at the bank, or gathering pages of data from four different institutions in order to apply for a loan. These activities, and more, can now be performed with a few clicks, swipes, or shakes.

Checking balances and paying bills can be done from anywhere, and instant money transfer between accounts is as easy as sending an email or text. You can even send money to a friend using this method, without the transaction fees of third-party agents. Some banks even allow the deposit of a check with just a photograph, so you no longer need to fill out a deposit slip and drive to the branch.

Some merchants have developed their own applications which allow customers to make purchases by simply waving their enabled phones in the vicinity of the cash register. A pre-loaded virtual debit card is the funding source for most of these transactions. The popularity of these programs has stimulated an industry drive to compete.

Looming in the future is a broader mobile shopping experience. Already in the testing phase are applications designed by web giants which are intended to act as a virtual wallet, replacing the use of credit cards. These applications will enable consumers to buy things at multiple retailers using a single mobile application. They are expected to roll out across the United States in the next eighteen months.

Within a few short years, anything that you used to have to go to a financial institution to accomplish will be able to be done with a few shakes of your smartphone. And that’s a good thing.

 

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Finance

Commercial finance can really help your business get mobile

Growing a business these days is a critical part of your entrepreneurial success. Being able to move on and work with bigger and better things is the key to preventing stagnation and improving your revenues. Statistics show that a fair portion of clientele comes from the advertising they see on your commercial vehicles. There are so many people on the road throughout the day, and being in the car can get quite boring. The result is that people spend their time looking for something that catches their attention while they are driving. If you have vehicles on the road that have your company logo everywhere, you can increase your exposure by putting your business right where everyone can see it.

You have to realise that the more exposure you have for your business, the more likely you are to pick up new clients. If you are looking for a new vehicle you can search under commercial finance Melbourne for places in Melbourne that offer you finance for commercial vehicles. Once you have decided to make the business mobile, you need to figure out what sort of vehicle will be best suited for your business. Applying for finance is a fairly simple process depending on how your company does business and whether or not you have sufficient credit value that will justify the loan. You have to supply the relevant documentation that is needed by the finance company, decide what vehicle you want based on the approved finance amount and then make sure that the vehicle is able to meet the demands of your business. Once you have the right vehicle you need to work out how you are going to plan the advertising you are going to put on it. You have a variety of options that affect the cost of advertising, and you just need to work on which options suites your budget the best. You can have full wraps, half wraps or you can have sign on your back windshield if you like. The more you put there, the better it stands out, but the important thing to remember here is that you need to make your message visible and clear.

The importance of going mobile with your business is very clear, you will increase the visibility of your business by creating exposure on the road, and most importantly you can improve the image of your company by having branded vehicles coming out to clients. Finding the right vehicle finance for your business is the best way to improve the way you do business.

Robert Lee is one of the best writers with huge experience about commercial finance Melbourne and legal Law practice. He shares information about the business finance Melbourne and financial situations.

Banking

Africa Banking On Mobile To Be First Post Pc Continent

A convergence of historical circumstance and an increase in innovative mobile applications may make Africa the first post-PC continent.

Low investment in wired telecommunication infrastructure has driven increased mobile penetration, creating a user base that supports a rise in mobile innovation and increased interest in content development, according to observers.

Meanwhile, as global tech giants such as Intel, Nokia, Samsung, Google and Microsoft work on projects that aim to bring more people online, their focus is more on mobile devices and less on PC-based access to the Internet.

Poor telecoms infrastructure to homes and rural areas has meant that many people access PCs in their offices and use mobile handsets at home. Improved cell phone battery power has also allowed people to access resources that they would normally access on PC.

“Most African countries are haunted by poor network infrastructure, which makes fixed line communication extremely unreliable (in the few places where it’s actually available); this gave rise to vast and rapid adoption of mobile handsets on the continent,” said Pieter Kok, Research Manager for Software and IT Services at IDC South Africa.

IDC projects that the number of PC shipment to the region will rise, but not as quickly as smartphones and tablets, which are expected to experience steady growth. IDC estimates that in South Africa, 800,000 PCs were shipped in 2010 and the number is expected to decline by about four percent annually to reach 650,000 by 2015. Meanwhile, 1.3 million handsets were shipped in 2010 and that rate is expected to increase at a compound annual growth rate (CAGR) of nine percent to reach 2 million annually by 2015.

In the rest of Africa, prospects are brighter for PCs. IDC estimates that 3.7 million PCs were shipped in 2010 and annual shipments will rise to 6.9 million 2015 — a 13 percent CAGR. Still, the number of smartphones shipped is expected to rise at a higher rate. In Nigeria, IDC projections show that 1.5 million smartphones and 17.2 million feature phones will be shipped in 2011. By 2015, both markets are expected to grow, reaching, respectively, 3.2 million and 21.3 million units shipped. For smartphones, that’s a CAGR of 21.7 percent. Nigeria is Africa’s largest mobile market, after recently overtaking South Africa.

Considering the lack of legacy infrastructure, more companies are now demanding innovation around mobile phones, because they are considered more accessible by consumers in the mass market. Businesses are now starting to take advantage of mobile growth, while the informal sector is also growing and providing services enabled by mobile technology.

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Banking

Banks at your door step through mobile banking

India is no more lacking in mobile connection as at present it has 900 million connections and out of 900 15%  are smartphones.  Moreover 40%Indians are illiterate and only a small part of the population is English savvy. So it is very difficult for them to communicate with any way of text-based program at all. It is human behavior that we do what we know, and 99% of the time, we make choices within our comfort zone. So if we want customers to use their mobile phones for banking solutions that has a brand new interface, demanding training, it will never be easy to make people understand to use this.

Uniphore discovers that voice-based mobile money system is the maximum transaction solution for Native Indian demographics in such programs; customers simply call the application, verify their identification through Voice Biometrics, then engage with the Speech Recognition system to request and complete their deal. Voice programs can run on any basic feature phone, and they can be utilized in any and all Native Indian ‘languages’. Because this application is available in the native language so they can use the program to manage in the way they want and in quantities that they are relaxed with.

Uniphore’s Enterprise Mobility solution gives power to banks to provide their customers with the versatility and comfort of handling their financial situation from any cell phone at any time. They proceed by navigating the wide selection choices by discussion with the program. With the help of this system, the client can access the information or service he requires in no time, handling expenses, money exchanges and other services from any place. .You can transact almost all banking businesses with your voice as the password. Mobile banking can be very beneficial from both perspective be it a bank or customer.

Uniphore’s Mobile Voice Banking Solution for companies:

Increase client involvement:-  because the accessibility in native language customer are more  loyal. According to a survey people who find the process of transaction easy through mobile are more likely to recommend their bank to a friend.

Increase consumers and turnover:–  as the application is compatible with any basic phone or Smartphone and easy to navigate so  more customers are like to adhere  that results in the  increased revenue of  an enterprise.

Reduce scams through high-security Speech Authentication:– Mobile phone can be missing or thieved, and PINs are often neglected or affected.  But the unique combination in Enterprise Mobility makes it difficult to imitate a speech or gain fake verification – thus ensuring security on the program.

Enhance functional effectiveness through solid tracking and statistics of mobile transactions

Today, rivalry for business and authority in the banking industry is more extreme than ever. To win and fulfill customers’ need, banks must provide potentiality of service access through programs that are at the same time protected and convenient. Uniphore’s mobile banking solutions are the best solution for the banking sector and for customers too.

 

 

Uniphore is an expert writer who mainly writes on Enterprise Mobility  matters. In this article he is mainly explaining on Mobility Software  and has proved to be successful in doing so.

Banking

ICICI Bank Adds New Mobile Banking Services

ICICI Bank Ltd, India’s largest private sector bank announced launch of exclusive services on its mobile banking platform. The bank now boasts of widest range of mobile banking services for its customers. ICICI Bank customers can now sms IMPS to 9222208888 – from their mobile phones and transfer funds instantly and round the clock. This is facilitated using the Interbank Mobile Payment Service (IMPS). In another new service launched this year, ICICI Bank has enabled its customers to recharge any prepaid mobile phone in 3 simple steps, just by sending an sms MTOPUP to 9222208888.

Customers can also avail these services of Instant Fund Transfer and Prepaid Recharge by dialing *525# from their mobile numbers registered with the bank.  This option of *525# is currently available for the customers on select operator networks only.

As extension of the *525# service, customers can now pay their insurance premiums by simply dialing *525*11#. Currently this service is available for ICICI Life Insurance customers. The Bank plans to add more insurers soon.

With the launch of these services, ICICI Bank continues to stay ahead in adopting latest technology innovations for customer convenience. Its flagship mobile banking application, iMobile, launched in 2008 and available for iPhone, Android, Blackberry, Symbian and other major mobile platforms, now also allows customer to book tickets – rail, air and movies – through their phones. More details are available on the bank’s website www.icicibank.com

The Bank has also been a front-runner at promoting and implementing the Interbank Mobile Payment Service (IMPS). Over 16.5 million customers of the Bank have been issued their MMIDs (a 7-digit number required to receive money through IMPS). The communication technology used for mobile payments ensures that no data is stored in customer’s phone and data transfers are adequately encrypted to prevent risks of misusages. These services can be accessed from all kind of handsets- basic phones as well smart phones.

Mr. Rajiv Sabharwal, Executive Director ICICI Bank said “ICICI Bank has always focused at customers by making banking products safe and convenient.  The bank will continue to offer similar services which are safe and simple to use for millions of our customers who may not have access to internet. IMPS is poised to revolutionize the payments landscape. He further added that there is a greater need for interoperability to make cheques and even cash redundant in the next 3 to 5 years and IMPS will be a convenient instrument for payments and collections even for businesses”.

Mobile Banking Services in India – ICICI Bank is India’s second-largest bank with total of Rs. 4,062.34 billion (US$ 91 billion) at March 31, 2011 and profit after tax Rs. 51.51 billion (US$ 1,155 million) for the year ended March 31, 2011. The Bank has a network of 2,548 branches and about 7,440 ATMs in India, and has a presence in 19 countries, including India.

Banking

Mobile Banking – Your Bank is now Always Accessible

The age of online banking has come and has evolved into something more personal than before – Mobile banking. With this, the banks have helped ease the process of banking for everyone owning a Mobile with Internet connection. The advent of faster mobile connectivity technologies such as 3G and emergence of 4G has helped the mobile banking industry gain leaps and bounds.

Major banks provide this facility to their customers on a free to use basis. This facility enables you to access your bank account from anywhere in the world at any time provided you have a mobile phone that supports internet connectivity.

The encrypted platform in the phones enables a safe and secure banking experience. Jump into the new age of banking. This trend of banking is fast catching on in India with a majority of people accessing their account information using their mobile phones. The infrastructure is definitely present to support a larger user base.

So use this opportunity to experience world class banking through the flexibility and ease of your mobile phones!

The advent of faster mobile connectivity technologies such as 3G and emergence of 4G has helped the mobile banking industry gain leaps and bounds.

Mobile banking provides the same facilities that online banking does such as:

· The ease of accessibility – Anytime, Anywhere banking
· Viewing account details across various accounts such as – Term Deposits and Investments
· Sending and receiving money from your mobile instantly using safe and secure services provided by the bank.
· Payment of utility bills
· Investing and or redeeming mutual funds from anywhere in the world.

The encrypted platform in the phones enables a safe and secure banking experience. Jump into the new age of banking. This trend of banking is fast catching on in India with a majority of people accessing their account information using their mobile phones. The infrastructure is definitely present to support a larger user base.

Most banks have cards such as the regular card, the gold card, the titanium and the platinum card. The higher the card value, the more privileges are attached with the card with freebies and premium benefits.

Most regular credit cards are given free of charge to the holder i.e. there are no annual charges or fees attached to holding the cards. If a customer intends to go for a higher value credit card such as a titanium or a gold card, he might be levied a surcharge such as an annual fee of subscription.

So use this opportunity to experience world class banking through the flexibility and ease of your mobile phones!

Vijay K Shetty, Get more information on Mobile Banking, Online Banking System

Money

Mobile Mass Money a Scam?

Mobile Mass money software is unique software yet effective at the same time. Unlike other softwares which are complicated and hard to use, even some of them just claim but they do not give results in reality.

Mobile Mass Money software and system by Frank Lucas is a complete tool that can be helpful to you to make great amount of affiliate money.

You might have seen numerous messages that popped on your mobile screen but you never willed to read them instead you just delete them without even reading the message. Mobile Mass Money software will tell you how you can send eye catching messages that will catch the attention of the reader.

You have to follow simple steps to take most out of the software, below are the guidelines.

Mobile Mass Money Review – Step 1

You need to find a good product to promote. All you have to do is to choose a good product that you think can sell well and can give you good profits. You can search some products on Payzeno.com

One of the best things about Payzeno is that they contain those products that are highly marketable. So that you can make huge amount of profits from them.

Mobile Mass Money Review – Step 2

Then you have to register at Admob.com. It is World’s largest mobile advertising marketplace. After registering at Admob you can easily promote your products to other mobile users. There are numerous products you can promote and Admob will promote these products for you to millions of users.

Mobile Mass Money Review –Step 3

Now just see your bank. You can make money in one minute with the help of Mobile Mass Money Software by Frank Lucas. The product is very effective and if implemented in the right way it can give you massive results. Just you have to check the guidelines I mentioned here and also from the author’s website.

The product is released only 2-3 days ago, so grab the product before the method get’s saturated by various internet marketers. The more the product is latest the more you can take most out of it.

Click the following link to download your copy instantly.

www.mobilemoney.info

 

Banking

Hurdles for mobile banking solutions

As customers have started using handsets to make the best use of banking services offered by financial institutions, banks are eager to find the mobile solutions to offer unparalleled services. In this scenario, banking software companies are called upon to build ideal mobile banking solutions, which allow financial institutions to cater to the demands of end users. But, there are hurdles that ought to be cleared by the software company that aims to build good solutions for banks.

Devices

With handsets luring the attention of the general public, there has been a steady growth in the introduction of new devices. As customers make use of different types of mobile phone devices, mobile banking services should be made available on all these devices. The banking software companies ought to consider this significant aspect before they set out to build ideal solutions for financial institutions. Before bringing out a sophisticated application, features supported by the handset, as that of SMS, a WAP browser or Java ME have to be taken into consideration to achieve the desired results.

Security

When banking software companies strain at the leash to introduce mobile banking solutions for banks, there are several other features that demand the attention of the company that wants to build an ideal tool. Security pertaining to financial transactions happens to be a significant feature that needs to be weighed by the software organization. Various features like encryption of data while it gets transmitted over air, password authentication, and encryption of data as when it is stored in a device, among the other important features arrest the attention of the company.

Scalability

As banks provide unparalleled mobile banking services, customers make good use of the services, as there is also a good growth in the customer base. In essence, a customer makes use of this service from various corners of the globe, and the system that is set up to meet this demand has to provide round-the-clock services. This is a feature that demands the attention of software companies that aim to build best mobile solutions for banks.

Reliability

In unveiling such mobile services, financial institutions strive to meet customer demands and offer unparalleled services to customers. But, when customers make good use of these services, their expectations tend to grow, as banks ought to be prepared to meet the growing expectations of customers. Banks gain customer confidence only when its performance is good, as it also becomes a reliable source that earns approval from customers.  This is also a feature that needs to be considered by software companies when they strive to bring out the best mobile solutions for financial institutions.

While a software company is eager to bring out the best mobile banking solutions, it has to take note of important aspects that can impact the solution, to make sure that the company achieves the desired objective.

Bank-companion.com provides mobile banking services which enables banks, community banks and credit unions to provide their customers with 24/7, anytime anywhere banking. The result is a secure and scalable platform that helps your organization to increase loyalty, acquire new customers, cross-sell products plus much more.

Banking

Mobile Banking Services – A Glance

M-Banking is nothing but Mobile banking, also known as mbanking and SMS banking. Mobile banking is the availability of banking services through the mobile devices.  Nowadays, due to rapid growth of IT industry and the continuing evolution of the banking industry, banks have started to provide the mobile banking services to their customers.

Quite a lot of banking software companies has been involved to bring out the mobile banking solutions to banks, credit unions, community banks and financial institutions. In earlier, mobile banking services were offered over SMS only, but nowadays, mobile banking has been done via SMS or Mobile web. Rapid growth of iPhone and Google’s Android are the top two mobile banking devices used by the bank customers. Mobile banking can offer variety of common services such as the following:

1. Fund transfer.
2. Checking the current account balances and mini-statements or checking account history.
3. Bill payments such as mobile bills, Current bills, utility bills, pay credit card bills and so on.
4. Stop cheque request and request a cheque book.
5. Insurance policy management.
6. Pension plan management.
7. Blocking of lost or stolen cards.

Advantages of Mobile Banking

Mobile banking offers the convenient banking options. Mobile banking is always ahead of traditional online banking. In the case of online banking which requires an internet connection but mobile banking, we can use it by establishing the connectivity from virtually any area of the country. With the use of SMS text alert, bank members can avoid the late payments and cuts down the extra charges. Mobile banking can make transfers anywhere at any time and No human interaction needed for any banking transactions, The well known fact about mobile banking is an extremely intelligent and handy service also we can say it as time saver.

Apart from the customer’s point of view, mobile banking services have some business benefits. It can send timely information to various customers in a very secure environment and helps banking institutions to enhance customer experience so that they can gain more customers. It sends the promotion information, interest changes and more vital information in timely manner without time delay.

Reputed banking software companies are available and proving mobile banking solutions to banks. It is to accept banking made easy with mobile banking.

Bank-Companion.com is the leading mobile banking platform compared to the Banking software companies. It enables banks, community banks and credit unions to provide their customers with 24/7, anytime anywhere banking. The result is a secure and scalable platform that helps your organization to increase loyalty, acquire new customers, cross-sell products plus much more.