Last year, they cut 10 seconds from every card or mobile phone transaction, reducing time-inline by 900,000 hours.
and is processing 3 million mobile payments per week. Soon, customers will order directly from their mobile phones.
Using social media, mobile and other technologies to change customer relationships, operations and the business model has helped Starbucks re-engage with customers
of action 4 Broadband and Digital Services infrastructure Implementation of the Ronet project Ministry for Information Society (responsible)# of active connections-Mobile Internet access Target:
Thirdly, the Commission adopts various measures within the Radio spectrum Policy in an effort to provide sufficient spectrum for future mobile broadband,
recognizing the increasing use of mobile and Wireless internet. Fourthly, the Commission adopts initiatives to ensure that in the European union ther are available sufficient funds for development in areas that are underserved.
Indicator Status Mobile Internet access 7. 1 M active connections (2012) Broadband internet connections 10. 6m connections (2012) Number of fixed telephony lines 4
%with 55%of population shared subscriptions with at least 30 Mbps and 25%of subscriptions were with at least 100 Mbps. The Mobile broadband take-up is 41%in total subscriptions per 100 people.
%with a higher share of those with three members Mobile broadband penetration has increased but it is still at insufficient quotas and fixed high-speed Internet remains still a privilege of big cities.
%The take-up rate of mobile broadband reached 41%in June 2013, being still below the EU average of 54.5%.
mobile phones, tablets etc. The preparation of technologies for the monitoring of the fraud attempts of the payment systems and the unique identification of the users The increase of the competitiveness,
and require public intervention (especially in rural areas) This low take-up is applicable both to fixed access networks as well as mobile broadband
In East Africa the development of M-PESA (a mobile financial payment system born out of social innovation) has become an avenue for nine million people to gain access to secured financial exchange services.
It can also include the development of open source mobile phone alternatives such as Fairphone69 on top of which a whole new open ecosystem of services and applications could flourish, based on open-source and open-hardware developments.
mobile learning, mobile technologies, mobile learning, authentic learning, design-based research, higher education Introduction Personal mobile devices such as ipods and mobile phones are now ubiquitous amongst student
, Chesterman, nd, issues related to educational media explored through videos, documentaries, animations of educational concepts and news bulletins with mobile phones;(
Similarly, in terms of student use of mobile technologies, the focus of the debate has been upon the problematic use of mobile phones in schools (e g.,
Aims and scope of the project The project investigated the educational potential of mobile devices, specifically,‘smartphones'(combined mobile phones and PDAS) and ipods, in tertiary education.
mobile phones, PDAS and mp3 players. However, at the time, more and more mobile phones were incorporating PDAS into their functionality so it was decided to use a hybrid of these two.
Specifically, the project aimed to: 1. Investigate the potential uses or‘affordances'of the smartphone and ipod 2. Engage teachers from a Faculty of education using an action learning professional development framework to explore
and professional development activities through a dedicated website and a published handbook. 5. Implement the professional development activities for mobile learning across other faculties at the University of Wollongong
New Pedagogies project Funding was obtained from the Carrick Institute (now ALTC) to investigate new and innovative pedagogies related to the use of mobile phones (smartphones with PDA functions) and ipods.
Campbell, Marilyn A. 2005) The impact of the mobile phone on young people's social life.
Mobile phones, Japanese youth, and the replacement of social contact. In R. Ling, & P. E. Pedersen (Eds.),
Mobile phones and the New zealand Youth. A report of results from the Internet Safety Group's survey of teenage mobile phone use.
Netsafe: Wellington, NZ. Norman, D. A. 1988. The psychology of everyday things. New york: Basic books. Oliver, R,
and globally competitive IT and ICT-enabled services industry. 23 Figure 9. Fixed and mobile phone growth in seven non-OECD countries and the United states per 1, 000 people 1195.6 1
Finally, m-commerce (electronic commerce conducted from a mobile phone, tablet etc. in the EU plays a more modest part in the growth of electronic commerce than in the USA and Japan.
According to a KPMG study18, the percentage of consumers who visited an online retailer site from their mobile phone increased from 10%in 2008 to 28%in 2010 against 41%in the Asia-Pacific region.
However, the use of mobile phones for financial services is more widespread: 46%of consumers surveyed said they had used them.
joint surveillance actions("sweeps")have been carried out on the basis of UCP provisions (websites selling airlines tickets, online mobile phone services, websites selling consumer electronic goods;
textiles, bikes, DIY goods, music downloads, rental cars, mobile phone contracts etc. Article 20 (2) of the Services Directive189 prohibits discrimination on grounds of nationality or residence in B2c and B2b relationships.
the mobile phone industry, the digital amplifier industry, the open source software industry, the mobile operating system Android, the biopharmaceutical industry, Procter&gamble, Italcementi, Deutsche telekom, Innocentive, Roche or the Dutch special
I O N y E A r B o O k 2 0 1 5 immediate mobile feedback from various measurement devices and applications developed there.
It is impressive that the fathers of both authors of this paper both are still using simple Nokia mobile phones.
especially related to mobile and wireless technologies. The evolution from a successful inwardlooking cluster to ecosystem-centric open approach has been remarkable.
and application types (e g. mobile, distributed). It also appears that, except for one use case, the model is sufficiently attractive for reusing it in other use cases
The next Financial Revolution Is hardwired Introduction The use of mobile phones is growing at a tremendous pace,
At the most recent Mobile World Congress (1), the big trend was wearable technology with new product introductions from companies like Sony and Samsung into this market.
usage tends to explode (2). Mobile and the Financial Industry Mobile telecommunications have revolutionised the world already,
and promise to play an important role in the consumer of tomorrow. In line with the‘anything, everywhere'attitudes of tomorrow's consumption trends, smartphones have become more accessible, faster,
As noted above, there will be a huge increase of mobile-only Internet users in the next few years, leading to whole new ways of web usage that demand marketers'attention.
Knowing that mobile phones will be very important in the coming years, we want to expand our thinking by looking at the opportunities that the phone as tool can provide,
In 2009 Gartner spoke out that Mobile Money would be the number one mobile application to be in 2012.
From the two mobile phone world leaders, the iphone5s and Samsung S5 phone have fingerprint recognition.
In terms of pucks, we see a future for tools specifically designed to enhance the qualities of a mobile phone.
References (1) Mobile World Congress February 2014 http://www. mobileworldcongress. com/(2) Interview with the founder and the CTO of XL team, Marc van Gent
your keys, your mobile phone, and your clothes. Many of us are prone to forgetfulness and sometimes forget our keys, phone,
By the end of the decade, the worldwide mobile health market is expected to grow to $49 billion, according to a new study by Grand View Research (11.
pr=405 (11) http://mobihealthnews. com/30616/global-mobile-health-market-to-grow-to-49b-by-2020/12) Electronic textiles
a mobile-connected smart egg tray that keeps track of not only how many eggs you have in your refrigerator,
Not surprisingly, in mobile phone technology Europe gained a leadership position also because of a first mover advantage in defining the global system for mobile communications (GSM) standard.
The World Mobile Congress has generated a growing community of start-up companies that develop mobile solutions, mainly in the following four areas:
The World Mobile Congress has generated a growing community of start-up companies that develop mobile solutions, mainly in the following four areas:
for internet access and f mobile phone users on subscription basis with internet access by EDGE, CDMA, EV DO, 3g50 Narrowband access connections at mobile points subscriptions for internet access and mobile phones users
GPRS Broadband access connections at mobile points prepaid cards for internet access and mobile phone users on prepaid cards with access to internet by EDGE, 3g12 Narrowband access connections
at mobile points mobile phone users on prepaid cards basis with access to the internet by GPRS43 abs. mil) abs. mil) abs. mil) abs. mil) abs. mil
Penetration in ascending tendency of mobile phone (123%coverage; High penetration rate of CATV networks (75%coverage;
The purchase cost terminals (PCS, laptops, mobile phones, mobile smartphone, etc) is rather low as compared to previous years Weak points Low penetration
and to promote the development of mobile broadband as the proper solution for Romania, considering the intense progress of mobile telephony market.
In addition the active mobile broadband connections to access points dramatically increased with about 65%,from 1. 5 million at the end of 2008 to 2. 5 million connections at the end of 2009.
sending completed forms 24,2 25 25,5 HOMES Households with computer 74,1 71,5 Households with Internet 69,0 63,9 Households with broadband 66,5 61,9 Households with mobile phone 96,0
and increased flexibility of demand e--mobility managing a new kind of high-power mobile demand and storage Making grids smarter therefore needs to be considered as a key element of any transition strategy towards renewable electricity.
Satellite technologies and mobile broadband make service extension easier. Companies Increase in consumer demand for new digital contents.
New technologies (satellite, mobile broadband) instead of infrastructures. New trends: social networks, mobility and geolocation; telework; Cloud computing, pay--peruse models;
very wide boundaries from gay partnerships to new ways of using mobile phone texting, and from new lifestyles to new products and services.
integrated fare structures moving towards personal credit cards and even mobile phones, to make the future of connected living as seamless as possible.
For example, built-in mobile hotspots will enable services such as internet radio, video streaming, web browsing and access to content to be downloaded in all connected devices under the same network.
and 61.9%had a Wireless Local area network 95.3%of companies were set up with mobile phones. On the other hand 75.8%of companies with Internet access had a website.
an increase of nearly four points in the use of mobile broadband and in the possession of a website can be observed.
The technologies used the most were access via DSL solutions (90.4%)and 3g or 4g mobile phones (74.2%).
Other mobile connections (GPRS, EDGE, etc. 23.7 21.0 35.8 50.6 Website availability and use The main services offered by companies with 10
Internet connection, Interaction with the Public Administrations, Mobile broadband, Website, Use of Social media and Cloud computing. First quarter 2014 Internet connection Interaction with the Public Administration (1) Mobile Broadband
) Percentage over the total number of companies with an Internet connection Use of ICT by Autonomous Community and Autonomous City in which the company is headquartered 6 Use of Internet, Website and Mobile broadband by Autonomous Community
Cataluña Asturias, Principado de Mobile broadband Internet and website 7 E-commerce Sales via e-commerce by companies with 10 or more employees 17.8%of companies with 10 or more employees carried out
Regarding communications, 76.5%of companies with fewer than 10 employees used mobile phones, compared to the 74.6%of the previous year,
from 56.8%to 66.4%.29.3%56.8%61.4%94.2%28.7%66.4%66.2%92.8%0 25 50 75 100 Internet connection and website (1) Mobile broadband
2 4 Media 5 7 1 1 14 Mining 1 4 2 7 Mobile Telecommunications 1 1 1 3 6
Data traffic for mobile broadband will double every year until 2014, increasing 39 times between 2009 and 201413.
and Sándor Imre Budapest University of Technology and Economics department of Telecommunications Mobile Communication and Computing Laboratory Mobile Innovation Centre Magyar Tudosok krt. 2, H-1117
mobile traffic evolution, network scalability, flat architectures, mobile Internet, IP mobility, distributed and dynamic mobility management 1 Introduction Mobile Internet has started recently to become a reality
There are many existing solutions aiming to handle the capacity problems of current mobile Internet architectures caused by the mobile traffic data evolution.
However, the strongly centralized nature of current and planned mobile Internet standards (e g.,, the ones maintained by the IETF
flat and fully distributed mobile architectures are gaining more and more attention today. The goal of this chapter is to provide a detailed introduction to the nowadays emerging scalability problems of the mobile Internet
and Scalability Problems of the Mobile Internet 2. 1 Traffic Evolution Characteristics of the Mobile Internet One of the most important reasons of the traffic volume increase in mobile telecommunications is demographical.
or open to pay for the Wireless internet services meaning that voice communication will remain the dominant mobile application also in the future.
and mobile) by the year 2012, producing a substantial increase of the overall mobile traffic of more than 200%each year 7. Video traffic is anticipated also to grow so drastically in the forthcoming years that it could overstep Peer-to-peer (P2p) traffic 4. Emerging web technologies (such as HTML5
As a summary we can state that the inevitable mobile traffic evolution is foreseen thanks to the following main factors:
and significant device increase potential resulted by the tremendous number of novel subscriptions for Machine to machine-Machine communications. 2. 2 Scalability Problems of the Mobile Internet Existing wireless telecommunication
current mobile Internet was designed not with such requirements in mind: mobile architectures under standardization (e g.,
and access layer provides easy service convergence in current mobile Internet architectures but introduces additional complexity regarding session establishment procedures
Progress of mobile and wireless communication systems introduced some fundamental changes. The most drastic among them is that IP has become the unique access protocol for data networks
A Mobile IPV6 and a Host Identity Protocol (HIP) based signaling scheme alternative has been introduced for UFA by Z. Faigl et al. 18.
and tunnels user traffic towards the mobile's current locations and vice versa. Several enhancements and extensions such as Fast Handoffs for Mobile IPV6 (FMIP) 22, Hierarchical Mobile IPV6 (HMIP) 23, Multiple Care-of Addresses Registration 24
, Network Mobility (NEMO) Basic Support 25, Dual-Stack Mobile IPV6 26, and Proxy Mobile IPV6 (PMIP) 27, were proposed to optimize the performance
and broaden the capabilities of Mobile IP, but all of them preserve the centralized and anchoring nature of the original scheme.
There are also alternate schemes in the literature aiming to integrate IP-based mobility protocols into cellular architectures
The (Loc, ID) pair of each mobile is stored inside AGW nodes and organized/managed using DHTS.
, Mobile IP, NEMO BS and Proxy Mobile IP without route optimization) do not separate signaling and user planes
depending on mobiles'actual location when sessions are getting set up. The solution's dynamic nature lies in the fact that sessions of mobile nodes are anchored dynamically on different ANS depending on the IP ADDRESS used Based on this behavior,
The PMIP-based solution discusses a possible deployment scheme of Proxy Mobile IP for flat architecture.
and S. Imre tional hierarchical and centralized mobile telecommunication architectures. The IP network that deals with the interconnection of base stations in flat networks must be able to assure different Qos levels (e g.,
Based on the collected benefits and the actual challenges of flat architectures we can say that applying flat networking schemes together with distributed and dynamic mobility management is one of the most promising alternatives to change the current mobile Internet architecture
Recognising the Promise of Mobile Broadband (June 2010) 2. Cisco VNI: Global Mobile Data Traffic Forecast Update, 2009-2014 (Feb. 2010) 3. Dohler, M.,Watteyne, T.,Alonso-Zárate, J.:
Machine to machine-Machine: An Emerging Communication Paradigm, Tutorial. In: Globecom'10.dec 2010) 4. Schulze, H.,Mochalski, K.:
Ipoque, Internet Study 2008/2009, Ipoque (Jan. 2011) 5. UMTS Forum, REPORT NO 37, Magic Mobile Future 2010-2020 (April 2005) 6
ITU sees 5 billion mobile subscriptions globally in 2010 (February 2010) 7. Cisco VNI: Hyperconnectivity and the Approaching Zettabyte Era (June 2010) 8. ETSI GTS GSM 03.02-v5. 1. 0:
Proxy Mobile IPV6 (PMIPV6) based Mobility and Tunneling protocols, Stage 3, Release 10, V10. 0. 0 (Dec. 2010) 13. 3gpp TS 24.303
Hierarchical Mobile IPV6 Mobility Management (HMIPV6), IETF RFC 4140 (Aug. 2005) 24. Wakikawa, R. ed.:
Proxy Mobile IPV6, IETF RFC 5213 (Aug. 2008) 28. Valko: Cellular IP: A New Approach to Internet Host Mobility, ACM SIGCOMM Comp.
Dynamic Mobile IP (DMI), IETF Internet-Draft, draft-kassi-mobileip-dmi-01. txt (Jan. 2003) 47.
mobile phones or access points that embed resources. A REP Host is a device that executes the software process representing the REP. As mentioned before,
in the case of a mobile phone. Similarly, there may be cases where the REP is not hosted on the resource host itself, for example,
Security services architecture for secure mobile grid systems. Journal of Systems Architecture. In Press (2010) 24.
Proceedings of the ICT Mobile Summit 2009, pp. 1 8. IMC Ltd, Dublin (2009) 23.
5th International Conference on Mobile Ad hoc and Sensor Networks, Fujian (2009) 4. Bouabdallah, F.,Bouabdallah, N.:
ICT Future Network and Mobile Summit 2011, Santander, Spain (June 2011) 5. Farrel, A.,Vasseur, J. P.,Ash, J.:
Such a Health & Mobile Service is provided by a so called Citizen Service Center (CSC)
In this context, the SLA between the Government and the CSC regulates the provision of the health, mobile and contact services,
The new, powerful, low-cost and user friendly capturing devices (e g. mobile phones, digital cameras, IP networked cameras) supported by new multimedia authoring tools will significantly increase the user generated content.
and the same amount post messages to chat sites, blogs and newsgroups. ii Nearly a quarter of UK mobile phones users now have a Smartphone,
which allows people to transfer money using their mobile phones. The project was piloted in Kenya and developed by Vodafone and its Kenya subsidiary, Safaricom.
Safaricom has built on the vast network of existing mobile phone services and kiosks, transforming them into M-PESA agencies where money can be deposited
which aims to tackle the high number of incidents of traffic law violations in the Slovakia by enabling pedestrians to report incidents as they witness them, directly from their mobile phone.
They range from mobile phone credits and childcare vouchers to health club admissions and sports tickets. 163) Social targets.
The mobile phone combines microprocessors, transmitters, networks of masts, payment models, and so on. The welfare state combines legal rights, service delivery systems, assessment tools,
mobile phone infrastructures may be the precondition for organising new models of low-cost banking. 243) Creating new infrastructure,
'S m-PESA mobile banking service in Kenya, using capacity on mobile phones to provide cheap and safe transactions for the unbanked.
M-PESA allows people to transfer money using a mobile phone. The term M-PESA comes from a combination of‘M'for mobile and‘Pesa'meaning money in Swahili.
It is a joint partnership between Safaricom and Vodafone. Kenya was the first country in the world to use this service.
People can send minutes of prepaid airtime to each other by mobile phone using the tool M-Pesa or Me2u
and highly detailed spatial-temporal microsimulation methodology for human mobility, grounded on massive amounts of Big data of various types and from various sources, like GPS, mobile phones and social networking sites.
44 3 Mobile Services...47 3. 1 Introduction...47 3. 2 Mobile Services Drivers and Challenges...
50 3. 3 Digital Management Solutions...56 3. 4 Case studies...60 xv 3. 5 Summary...
102 5. 5. 1 Going Mobile Strategy...102 5. 5. 2 Modernize the Desktop Strategy...
for example, 12 terabytes of Tweets are created every day into improved product sentiment analysis 6. BIG DATA Cloud computing Social networks Internet of things Mobile 80%of the world's data is unstructured.
4. 6 billion Mobile phones (worldwide. 1 2 3 4 Veracity Fig. 1. 1 Big data drivers and characteristics 1. 1 Introduction 5 Velocity:
Bahrti Airtel operates in the Indian mobile market characterized by constant growth. In such a context, to remain competitive,
and assess the quality of its mobile phones, among other issues. Considering the case study, Nokia aimed to have a holistic view on people interactions with different applications around the world,
among other firms by using mobile phones, emails, intranet, internet, and faxes, and between the business and its customers.
which enables the user to access the cloud computing resource from different platforms, such as mobile phones, laptops or PDAS. 3. Improved accessibility,
ICCCNT12 26th 28th July 2012, Coimbatore, India References 45 Chapter 3 Mobile Services Abstract In this Chapter we discuss the main implications of mobility for digital business.
Then the Chapter focuses on how IT managers and executives interested in digital innovation of services through mobile can face challenges related to the lifecycle of such initiatives:
the rise of Groupon North america Transactions Completed on mobile (45%of total transactions) 2; the role of mobile in helping drive Facebook users and revenue 2. Moreover, analysts has placed in 2013 mobile applications
and development among the top priorities of CIO and IT budget 11 (considering Europe, nearly 2%of total expenditure, according to Computerweekly 12).
and here it is''36.48 3 Mobile Services consequence, digitalization requires the above mentioned digital enablers for service management capabilities have to be coupled with a key technology,
and opportunities. 3. 2 Mobile Services Drivers and Challenges Mobility is currently one the main characteristics of today digital information infrastructures.
+Smart mobile communications iphone, ipad, Android OS Smartphones and tablets Cloud computing Amazon, dropbox, Google, Salesforce. com, Windows Azure, etc.
High density, low cost chips IBM, Intel, AMD chips 50 3 Mobile Services As pointed out by Bagozzi 20, TAM is characterized by a‘‘parsimony''in the number of basic
or great effort''18.3.2 Mobile Services Drivers and Challenges 51 concerned the following issues and new relationships (the latter represented by dotted arrows in Fig. 3. 1):
and costumers of digital services provided by‘‘new''mobile technologies and devices. As pointed out above
As for these issues, Fig. 3. 2 provides a representation of current efforts towards a framework for identifying mobile services behavioral intention and adoption drivers.
as we are going to see in Chap. 5 on the IT Consumerization phenomenon. 52 3 Mobile Services use and perceived usefulness), classified as‘‘general technology perceptions,
Influence Psychographics Need for uniqueness Perceived enjoyment Demographics Gender Media Influence Fig. 3. 2 Mobile services behavioral intention drivers.
Adapted from 23 and 24 3. 2 Mobile Services Drivers and Challenges 53 perceived service availability as the extent to
and diffusion of innovations theory 26 for analyzing the role of social factors on the adoption of mobile advanced services. 7 In particular among other interesting results,
however, that this dimension 7 The research and analyses were based on a sample of 542 Dutch consumers. 54 3 Mobile Services has received limited attention, in particular,
the difference of usage behavior between mobile phones and personal computers. In particular, it is worth mentioning the work by Ghose et al. 28
Considering the specific characteristics of mobile phones (reduced screen size etc.)) and the consequent search costs and constraints, e g.,
and adopted for an efficient and effective implementation of mobile technology enabled service initiatives. 3. 2 Mobile Services Drivers
However, IT managers and executives interested in digital innovation of services through mobile have to face challenges related to the lifecycle of such initiatives from development and integration with enterprise information system, to a secure supply to the final users, through a constant
to support applications management on devices Development Integration Security Performance Fig. 3. 3 Digital management solutions 56 3 Mobile Services The native development
and other mobile workers) These stores are managed generally as a repository of enterprise applications 58 3 Mobile Services services has an impact as well on the efficiency and effectiveness of their management, use and updating.
Considering Mobile device Management solutions, they facilitate the management of devices deployed across different mobile operators
60 3 Mobile Services use the customers'own device's camera to take a picture of a vehicle,
The adoption of a convergent approach, combining mobile applications and, e g.,‘,‘‘rugged''devices results in a reduction of errors and processing times, optimizing the operating performance of workers,
Indeed, goods receipts have been carried then out automatically with Kymantm by Datalogic Mobile Wireless Handheld Computer and Barcode Scanner.
, for dust, rain, humidity, strong shocks, repetitive tumbles and temperature extremes. 62 3 Mobile Services POINT OF ATTENTION:
As for Coca-cola, the company used the service for their mobile‘Open and Win'campaign to drive consumer awareness on it
As for the former, the adoption of a convergent approach, combining mobile applications and, e g.,‘
MIS Q 27: 425 478 64 3 Mobile Services 17. Venkatesh V, Bala H (2008) Technology acceptance model 3 and a research agenda on interventions.
López-Nicolás C, Molina-Castillo FJ, Bouwman H (2008) An assessment of advanced mobile services acceptance:
Datalogic (2012) Mobile computers connected to SAP: wireless inventory and warehouse management for Habasit 34.
and channels, enabled by the diffusion of mobile, smart phones, and tablets, likewise (as seen in Chap. 3). However,
and minimize the cost, focusing on a high degree of automation (see also Chap. 1 of this book for storage issues for Big data) 4. 5 Social Sensing 79 mobile phones and tablets or ipad.
Location Badge Mobile Location used with Google+Hangouts Navizon (http://www. navizon. com/)ilocalis (http://ilocalis. com/)Citysense (https://www. sensenetworks. com
as employees will be more mobile and will use own devices and services. This can lead to a better customer satisfaction as well as its corresponding financial benefits 8. Organizations that see IT consumerization as an opportunity to create a comprehensive strategy
going mobile, modernize the desktop, virtualize, and bring your own device. The key concerns about these strategies as well as the technologies that address the raised issues are explained in the following sub-sections. 5. 5. 1 Going Mobile Strategy Many of the nowadays employees are exploring this strategy.
They are interested in achieving productivity gains by using their own mobile devices, such as smartphones and media tablets.
Moreover, with its one-X software for smart phones, Avaya also allows its employees to make the mobile phone acts as an extension of the corporate network.
That means employees can transfer calls from their desk to their mobile phones as they are leaving their offices
or take a call on their mobile while they are on their way into the office
access the notes from mobiles, Web or desktop devices; outlines collaborative presentations; maintain a shared repository for research
and ideas to keep in the innovation radar. 10.2 Instabank Instabank 3 is a Mobile Banking app developed by a Russian Start-up in collaboration with VTB Bank, a leading Russian Financial institution.
born out of the experience of the founders with traditional mobile banking apps. One of the developers has an engineering background
the American banking application developed with a‘‘mobile-first''approach, launched in 2012. The features are similar,
and analyzes large amounts of real-time mobile location data, collected through mobile phones, GPS, Wifi, cell tower triangulation, RFID and other sensors.
Using powerful machine learning algorithms, it provides extremely accurate profiling and segmentation of consumers based on habits and spending preferences.
Back then location data was increasing thanks to the diffusion of mobile phones, which soon became smarter and smarter
On the Mobile Payments side, the ios and Android app, on the one hand, allows customers to pay with their smartphone, with no need for cards or cash, reducing by 10 s the single transaction;
Turk, 127,128 Media, 47,54, 63 Mobile applications, 48,50, 55 59,62, 64 Mobile payment, 205 Mobility,
Overtext Web Module V3.0 Alpha
Copyright Semantic-Knowledge, 1994-2011