Synopsis: Ict: Communication systems: Telecommunication: Telephone:


MIT_embracing_digital_technology_a_new_strategic_imperative_2013.pdf.txt

Phone: 617-253-7170 Authors MICHAEL FITZGERALD is the Digital Transfor -mation contributing editor at MIT Sloan

Last year, they cut 10 seconds from every card or mobile phone transaction, reducing time-inline by 900,000 hours.

Starbucks is adding mobile payment processing to its stores, 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 and boosted overall perfor -mance. Its stock price has bounced also back up from roughly $8 in 2009 to nearly $73 in July 2013

provide chips for the original iphone. intel†s culture has long been built around maintain -ing market dominance through intense

emerging mobile market. then it had to cre -ate ways to bring people together. that


National Strategy on Digital Agenda for Romania.pdf.txt

number of telephones â€oesmartphoneâ€) in Romania amounts 2. 5 million and will reach up to 7. 5 million in 2015 based on

Smartphones provide instant internet access, the consumers wanting in this context real-time transactions ï m-wallet †represents the

transformation of the mobile telephone in a virtual wallet which might contain: bank cards, which can be used both in the online

/mobile commerce, as well as in the traders†locations which are equipped with POS, discount coupons, identity cards etc

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.

were with at least 100 Mbps. The Mobile broadband take-up is 41%in total subscriptions per 100 people

#of active connections-Mobile Internet access direct direct direct direct direct direct direct direct direct direct direct


NESTA Digital Social Innovation report.pdf.txt

networks †where they connect their devices, such as phones and Internet modems, to collectively share resources and solve

like widespread smartphone usage For example, despite the Internet being a military-funded research project and the

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

Smartphones, tablets, PDAS and other devices are becoming smaller faster, smarter, more networked and personal.

and geo-tagging functions on their smartphones help the research project measure global levels of light pollution,

It can also include the development of open source mobile phone alternatives such as Fairphone69 on top of which a whole


new_technology_mobile.pdf.txt

Palm smart phones and ipod digital audio players (mp3 players). ) An action learning framework for professional development was designed and

Personal mobile devices such as ipods and mobile phones are now ubiquitous amongst student populations in university, but many university teachers are less than confident in their use.

concepts and news bulletins with mobile phones;(3) Situated learning-activities that promote learning within an authentic context and culture (e g.,

the problematic use of mobile phones in schools (e g.,, Campbell, 2005) and the social and cultural shift in

combined mobile phones and PDAS) and ipods, in tertiary education. Originally, the project was focused on three devices commonly used by university students:

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

5. Implement the professional development activities for mobile learning across other faculties at the University of Wollongong and disseminate in web-based template form to other universities across

1. What are the technology affordances of smartphones and ipods for teaching and learning in higher

pedagogies related to the use of mobile phones (smartphones with PDA functions) and ipods. The project was conducted in four phases over two years,

for university teachers, the design of 12 pedagogies to be implemented with either the phone or the ipod

smartphones and Apple 30g ipods were purchased by the University from Teaching and Learning funds for use in the professional development workshops and implementations with students in classes.

additional head phones and card readers. All participants in the project were issued with both an ipod and

of smartphones, and mp3 players in higher education m-learning professional development What are appropriate

phones mp3 (ipods •Investigation of technology affordances through research literature experts, and location of best practice

smartphone for use prior to the commencement of the implementations with classes, so that they could

Campbell, Marilyn A. 2005) The impact of the mobile phone on young people's social life.

Adult educators†authentic use of smartphones to create digital teaching resources In Hello! Where are you in the landscape of educational technology?

Mobile phones, Japanese youth, and the replacement of social contact. In R. Ling, & P. E

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,


OECD _ ICT, E-BUSINESS AND SMEs_2004.pdf.txt

and some preferred receiving confirmation of their order via fax or telephone These concerns are genuine

Figure 9. Fixed and mobile phone growth in seven non-OECD countries and the United states per 1, 000 people

since much of the population lacks the income required to have telephone services. For low-income and rural populations, universal access programmes are needed to make adequate

introduced by the methodology (a questionnaire by telephone) mean that only the most advanced firms were included

e g. phone, fax, letters) especially when dealing with a foreign counterpart E-business adoption challenges: lessons from EBIP

fax or telephone Figure 15. SMES in Europe: commercial activities using the Internet, 2001 58%63%63

continue to order over the phone or via fax (Moodley, 2002). B2b on-line marketplaces and auction sites


Online services, including e-commerce, in the Single Market.pdf.txt

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

retailer site from their mobile phone increased from 10%in 2008 to 28%in 2010 against 41

However, the use of mobile phones for financial services is more widespread: 46%of consumers surveyed said they had used them.

That information does not necessarily have to be a telephone number. That information may be in the form of an electronic enquiry template through which

the trader's geographical address, telephone number, fax number and e-mail address, where available, to enable the consumer to contact the trader quickly and

telephone, fax, e-mail or other remote media except in circumstances and to the extent justified under national law to enforce a contractual obligation".

smartphones or other devices connected to the internet Users should be able to know and control who is using their information, and how the

provisions (websites selling airlines tickets, online mobile phone services, websites selling consumer electronic goods •on 3 december 2009 the Commission published detailed guidelines aiming to provide

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

practices by Apple involving the iphone. Apple had made warranty repair services available only in the country where the iphone was bought,

thereby potentially partitioning the Internal Market. Moreover Apple had restricted the terms and conditions of its licence agreement with

Statement on Apple†s iphone policy changes, IP/10/1175,25. 09.2010 available at http://europa. eu/rapid/pressreleasesaction. do?

e g. credit cards) and on charges for telephone hotlines higher than the standard telephone rate for calls.

the inclusion of telephone numbers with an international code; use of a top-level domain name other than that of the Member State in which the trader is

or of its telephone number without an international code, does not constitute evidence of this kind

telephone number and electronic mail address of rights holder Information on -noticeprovider -protected work -IPR holder


Open Innovation - The Good, The Bad, The Uncertainties - Eliza Laura Coras.pdf.txt

the mobile phone industry, the digital amplifier industry, the open source software industry, the mobile operating system Android


Open Innovation 2.0.pdf.txt

especially related to mobile and wireless tech -nologies. The evolution from a successful inward -looking cluster to ecosystem-centric open approach

a wearable monitoring device, a smartphone app. and a web portal. This service is evaluated involving volunteer participants into a minimum

monitoring device and use the related smartphone application and web portal. In this way they are able to monitor their body performance indicators

phones †even their own one if they had any †to collect price and other information from the books

The use of mobile phones is growing at a tremen -dous pace, and therefore in contrast with our eco

occur that our smart phones are literally becoming the key not only to our virtual world, but also to our

recent Mobile World Congress (1), the big trend was wearable technology with new product intro

Mobile and the Financial Industry Mobile telecommunications have revolutionised the world already, and promise to play an import

consumption trends, smartphones have become more accessible, faster, and more efficient. They are quite literally the pocket gateway to the digital

increase of mobile-only Internet users in the next few years, leading to whole new ways of web usage

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, looking beyond the software and

In 2009 Gartner spoke out that Mobile Money would be the number one mobile application to be in 2012.

through their iphone and Android phones, either by swiping the card on the Square device or by manu

-ally entering the details on the phone Developing a Business model As the current margin for financial institutes is

From the two mobile phone world leaders, the iphone5s and Samsung S5 phone have fingerprint recognition.

However, US people are very skeptical about giving out their fingerprints Who will own that data

brought into the smart phone. Because of its pro -cessing capacity and the visual renderness, smart

phones provide an even greater experience It is worthy to note that one of the authors of this

If used as an accessory on the phone fashionability and unobtrusiveness become rele -vant as well.

Smart phones are ubiquitous devices, and they seem to integrate more and more sensors and com -pounds to grow in capacities.

into a smart phone needs a high level of security to protect from cybercrime. This means that the right

a mobile phone We expect the hardware device to be the next wave in the financial industry.

1) Mobile World Congress February 2014 †http://www. mobileworldcongress. com /2) Interview with the founder and the CTO of XL team

mobileâ phone giant†s decline as painless as possible and ensure that Finland would never

Smartphone Affordance: Achieving Better Business further references:(38 24) Carayannis, E g. (1994. The Strategic Management

, Clark, S. 2011) Do Smartphones Make for Smarter Business? The Smartphone CEO Study Journal of the Knowledge Economy, June.

further references:( (26)( 50 39) Harmaakorpi, V.,Melkas, H..Knowledge management in Regional Innovation Networks: The Case of Lahti, Finland

For example, data from cell phones are particularly interesting because they are the only way people

9) Talbot D. Big data from Cheap Phones (Internet 2013; Available from: http://www. technologyreview. com

smartphones, such as unlocking vehicles remotely to access the reserved car. Thus, the owner need not meet the renter to pick up

your keys, your mobile phone and your clothes. Many of us are prone to forget -fulness and sometimes forget our keys, phone, or

both †but never our clothes. This simple idea is key: the future challenge for Cityzen would be to

the worldwide mobile health market is expected to grow to $49 billion, according to a new study by

/global-mobile-health-market-to-grow-to-49b-by-2020 /12) Electronic textiles or smart textiles, are fabrics that

displays, touch screens, and smart phones Many devices collect or use data and are there -fore connected (the Internet of things

phone business. Similar renewal rates may apply for software applications build on open platforms in the field of smart urban lighting.

a mobile-connected smart egg tray that keeps track of not only how many eggs you have in your refrigerator, but also tracks how

telephone, letting them know it†s time to purchase more eggs. According to Quirky, while there was one

phone terms, the product cannot be opened or altered after release. There is no further tinkering possible.

Nokia phone or the newness of ecommerce in the previous millennium, you immediately realise there


Open innovation in small and micro enterprises .pdf.txt

The interviewees were notified via phone and an appointment was made in advance in order to guarantee that the interviews could be conducted


Open innovation in SMEs Trends- motives and management challenges .pdf.txt

2005, over a period of three weeks, by means of computer assisted telephone interviewing (CATI.


Open innovation in SMEs Trends, motives and management challenges.pdf.txt

telephone interviewing. Data collection was done over a 3-week period in December 2005. To reliably identify


Open innovationinSMEs Trends,motives and management challenges.pdf.txt

telephone interviewing. Data collection was done over a 3-week period in December 2005. To reliably identify


Oxford_ European competitiveness in information technology and lon term scientific performance_2011.pdf.txt

Not surprisingly, in mobile phone technology Europe gained a leadership position also because of a first mover advantage in defining the


Policies in support of high growth innovative smes.pdf.txt

-20 9, 063 companies were interviewed by telephone in the EU, Croatia, Iceland and Norway. Eligible respondents were


Policies in support of high-growth innovative SMEs - EU - Stefan Lilischkis.pdf.txt

-20 9, 063 companies were interviewed by telephone in the EU, Croatia, Iceland and Norway. Eligible respondents were


Research and Innovation Strategy for the smart specialisation of Catalonia.pdf.txt

The World Mobile Congress has generated a growing community of start-up companies that develop mobile solutions, mainly in the following four areas


Research and Innovation Strategy in Catalonia.pdf.txt

The World Mobile Congress has generated a growing community of start-up companies that develop mobile solutions, mainly in the following four areas


RIS3_GUIDE_FINAL.pdf.txt

or surveys) and personal interviews (face-to-face, telephone, or in working groups. A key feature brought in by these European union-sponsored exercises was the


Romania - North-East Region Smart Specialization Strategy.pdf.txt

Development of the smrt phones games sector An example of relevant project comes from priority sector IT&C,

a explosion of games for smart phones, stimulated by the success of applications like Angry


Romania-BroadbandStrategy.pdf.txt

subscriptions for internet access and f mobile phone users on subscription basis with internet access by EDGE, CDMA

subscriptions for internet access and mobile phones users on subscription basis with internet access by CSD, 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

Penetration in ascending tendency of mobile phone (123%coverage ï¿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 ï¿Low penetration and use rates of the internet as compared to the average at


Romania-CommitteeforInformationTechnologyandCommunicationsSpeechonBroadbandDevelopment.pdf.txt

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

•Ensuring until 31 december 2012 access to public telephone network, fixed point, for every citizen of Romania

•Ensure access to public pay telephones •Ensure equal conditions for disabled users 8â

†access to public telephone networks and services such as basic Internet access The public consultation is meant to find out whether these rules and definitions for


S3 Illes Balears.pdf.txt

Households with mobile phone 96,0 95,1 TV households 99,6 99,5 Population using computer 68,0 69,3 Population accessing Internet 70,1 67,1


SMART SPECIALISATION STRATEGY, CASTILLA Y LEON RIS3 DOCUMENT.pdf.txt

•Satellite technologies and mobile broadband make service extension easier Companies •Increase in consumer demand for new


SMEs, Entrepreneurship and Innovation.pdf.txt

and synergies between the centres, a common webpage, telephone number, user evaluation system intranet, competencies development programme,

Examples include transitions from telephone handset production to mobile Internet system design or from vehicle production to GPS, road sensing and safety

micro-donations software is a compact, vibrant space, the same size as an iphone screen

ways of using mobile phone texting, and from new lifestyles to new products and services. We have


social-innovation-mega-trends-to-answer-society-challenges-whitepaper.pdf.txt

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

smartphone apps or access to social networks are increasingly becoming important drivers for Social Innovation as they offer new solutions and


Southeast-economic-development-strategy.docx.txt

A critical mass of expertise in key target sectors such as Digital Technology, Games, Mobile Technology and ICT for agriculture, Eco-innovation and ICT for Health care Services will help attract industry


Special Report-Eskills for growth-entrepreneurial culture.pdf.txt

smartphone applications has the highest potential in terms of job creation Filling the gaps Moreover, the ICT sector will be


Standford_ Understanding Digital TechnologyGÇÖs Evolution_2000.pdf.txt

The availability of 24-hour telephone reservation desks for airlines, or the construction of worldwide networks for securing hotel, rental automobile,


Survey on ICT and Electronic Commerce Use in Companies (SPAIN-Year 2013-First quarter 2014).pdf.txt

95.3%of companies were set up with mobile phones On the other hand, 75.8%of companies with Internet access had a website.

smartphones or PDA phones Employment and ICT training 25.1%of companies hired ICT experts and 11.1%hired new experts in 2013

On the one hand, an increase of nearly four points in the use of mobile broadband and in the

solutions (90.4%)and 3g or 4g mobile phones (74.2 %Companies with an Internet connection by type of that connection

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

Use of Internet, Website and Mobile broadband by Autonomous Community and Autonomous City in which the company is

Telephone numbers: 91 583 93 63/94 08 †Fax: 91 583 90 87-gprensa@ine. es

Telephone number: 91 583 91 00 †Fax: 91 583 91 58 †www. ine. es/infoine/?


Survey regarding reistance to change in Romanian Innovative SMEs From IT Sector.pdf.txt

large companies and was implemented by means of computer-assisted telephone interviewing. Data collection was done over a 2 month period during September-October


Tepsie_A-guide_for_researchers_06.01.15_WEB.pdf.txt

initiative in the UK57 uses the internet and mobile apps for identifying someone†s needs (e g.,


The antecedents of SME innovativeness in an emerging transition economy.pdf.txt

telephone prompts. This particular survey was the ï rst CIS performed in Croatia and it refers to innovation activities


The future internet.pdf.txt

devices including smart phones, Internet radios, and vehicle navigation systems which is a radically different environment from the initial Internet based on physi

Data traffic for mobile broadband will double every year until 2014, in -creasing 39 times between 2009 and 201413

Mobile Communication and Computing Laboratory †Mobile Innovation Centre Magyar Tudosok krt. 2, H-1117, Budapest Hungary

thanks to the success of novel, extremely practical smartphones, portable computers with easy-to-use 3g USB modems and attractive business models.

-rent mobile Internet architectures caused by the mobile traffic data evolution. Reserv -ing additional spectrum resources is the most straightforward approach for increasing

nature of current and planned mobile Internet standards (e g.,, the ones maintained by the IETF or by the collaboration of 3gpp) prevents cost effective system scaling for

an architectural point of view, flat and fully distributed mobile architectures are gain -ing more and more attention today

meaning that voice communication will remain the dominant mobile application also in the future. Despite this and the assumption of 5 implying that the increase in the

and mobile) by the year 2012, producing a substan -tial 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

As a summary we can state that the inevitable mobile traffic evolution is foreseen thanks to the following main factors:

traffic increase, current mobile Internet was designed not with such requirements in mind: mobile architectures under standardization (e g.,

service convergence in current mobile Internet architectures but introduces additional complexity regarding session establishment procedures.

Progress of mobile and wireless communication systems introduced some funda -mental changes. The most drastic among them is that IP has become the unique access

A Mobile IPV6 and a Host Identity Protocol (HIP) based signaling scheme alternative has been introduced for UFA by Z. Faigl et al. 18.

routines of the future mobile Internet designs. The importance of this research area is also emphasized by the creation of a new IETF nonworking group called Distributed

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 mo

deployment scheme of Proxy Mobile IP for flat architecture. This extension allows to dynamically distributing mobility functions among access routers:

tional hierarchical and centralized mobile telecommunication architectures. The IP network that deals with the interconnection of base stations in flat networks must be

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 Commu -nication Paradigm, Tutorial.

5. UMTS Forum, REPORT NO 37, Magic Mobile Future 2010-2020 (April 2005 6. International Telecommunication Union, Press release:

12. 3gpp TS 29.275, Proxy Mobile IPV6 (PMIPV6) based Mobility and Tunneling protocols Stage 3, Release 10, V10. 0. 0 (Dec. 2010

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

role, for example, mobile phones or access points that embed resources. A REP Host is a device that executes the software process representing the REP

-bile phone. Similarly, there may be cases where the REP is not hosted on the resource

-rate during service provision with strict requirements, like long-distance phone con -versations taking place over Internet.

secure mobile grid systems. Journal of Systems Architecture. In Press (2010 24. Sabelfeld, A.,Myers, A c.:

-formation, starting from basic contact information (addresses, telephone, email to more complex data such as preferences, friends†list, photos.

-ings of the ICT Mobile Summit 2009, pp. 1†8. IMC Ltd, Dublin (2009 23.

the application provisioning via the use of various kinds of nodes (e g. cell phones PDAS, laptops and other network-enabled devices.

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 â€oecitizen Service Center†(CSC) and is composed of:

health, mobile and contact services, as well as the expected overall satisfaction of the citizen. The SLA@SOI framework automates activities of the CSC that are usually

-turing devices (e g. mobile phones, digital cameras, IP networked cameras) supported by new multimedia authoring tools will significantly increase the user generated con

Smart cities, from smart phones, mobile devices, sensors, embedded systems, smart envi -ronments, smart meters, and instrumentation sustaining the intelligence of cities

map of sensor data available on smart phone) as well as urban waste management are two of the use cases from the Smart Santander project


The Impact of Innovation and Social Interactions on Product Usage - Paulo Albuquerque & Yulia Nevskaya.pdf.txt

and social communities through smartphones, com -puters, and their gaming consoles (Williams, Yee, and Caplan, 2008),


The Impact of Innovation in Romanian Small and Medium-Sized Enterprises on Economic Growth Development - Oncoiu.pdf.txt

interviewees a number of 730 companies were contacted by phone or email between January 2013 and June 2013


The Young Foundation and the Web Digital Social Innovation.pdf.txt

blogs and newsgroups. ii Nearly a quarter of UK mobile phones users now have a Smartphone, with over 18 per cent using their devices to access social media sites or

blogs. iii We know that digital technology is transforming our professional and social lives. But could it also be ushering in a new age of civic and political engagement


The Young Foundation-for-the-Bureau-of-European-Policy-Advisors-March-2010.pdf.txt

telecaptioners, text telephones, voice-recognition systems, voice synthesizers and screen readers. In the UK, the †direct payments†and †In Controlâ€

their mobile phones. The project was piloted in Kenya and developed by Vodafone and its Kenya subsidiary, Safaricom.

network of existing mobile phone services and kiosks, transforming them into M-PESA agencies where money can be deposited

witness them, directly from their mobile phone The SI Camp programme has three parts: a call for ideas, a two-and-a-half day


the_open_book_of_social_innovationNESTA.pdf.txt

called iburgh allows residents to snap iphone photos of local problems like potholes, graffiti and abandoned cars,

They range from mobile phone credits and childcare vouchers to health club admissions and sports tickets

The mobile phone combines microprocessors, transmitters, networks of masts, payment models and so on. The welfare state combines legal rights, service delivery systems

mobile phone infrastructures may be the precondition for organising new models of low-cost banking 243) Creating new infrastructure,

M-PESA€ s platform for phone-based banking 246) Rewiring economies, connecting sectors like the utilities and

Kenya, using capacity on mobile phones to provide cheap and safe transactions for the unbanked. M-PESA now has half a million users in

M-PESA allows people to transfer money using a mobile phone. The term M-PESA comes from a combination of †M†for mobile and †Pesaâ€

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

mobile phone using the tool M-Pesa or Me2u, or use prepaid mobile cards for interpersonal transactions or to purchase goods on the market

Public spaces for social innovation The availability of public or communal land increases the household†s capacity


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