Factors influencing branchless banking for microfinance in Sudan: Theoretical perspectives and future directions

In Sudan more than 40% live below the poverty line and getting basic financial service poses a challenge to financial institutions. Most of these unserved populations live in far-flung areas that make it difficult for microfinance institutions to reach them. But the enormous growth of mobile technology industry has created new opportunity to expand financial services to this unserved population. Branchless banking is one of the latest technologies that have been employed in different developing countries to expand financial services to the unbanked poor. Despite the potential benefits and relevance of Branchless banking to Sudan, there are still very few studies on Branchless banking in Sudan. To address this gap in the literature, this study aims to investigate the factors that are essential to the development of branchless banking in Sudan using mobile technology. This is a research-in-progress paper, the critical review of the literature so far revealed that there are essential factors for the success of branchless banking in Sudan e.g. the identification of the industry key players and their roles, the enabling regulatory environment, the infrastructure readiness and Sudanese cultural values. The paper will provide regulators and policy makers in Sudan a way forward to expedite the development of suitable Branchless banking for microfinance in Sudan

AmbieSense: a system and reference architecture for personalised and context-sensitive information services for mobile users

The purpose of AmbieSense is to provide personalised, context-sensitive information to the mobile user. It is about augmenting digital information to physical objects, rooms, and areas. The aim is to provide relevant information to the right user and situation. Digital content is distributed from the surroundings and onto your mobile phone. An ambient information environment is provided by a combination of context tag technology, a software platform to manage and deliver the information, and personal computing devices to which the information is served. This paper describes how the AmbieSense reference architecture has been defined and used in order to deliver information to the mobile citizen at the right time, place and situation. Information is provided via specialist content providers. The application area addresses the information needs of travellers and tourists

Can geocomputation save urban simulation? Throw some agents into the mixture, simmer and wait ...

There are indications that the current generation of simulation models in practical, operational uses has reached the limits of its usefulness under existing specifications. The relative stasis in operational urban modeling contrasts with simulation efforts in other disciplines, where techniques, theories, and ideas drawn from computation and complexity studies are revitalizing the ways in which we conceptualize, understand, and model real-world phenomena. Many of these concepts and methodologies are applicable to operational urban systems simulation. Indeed, in many cases, ideas from computation and complexity studies—often clustered under the collective term of geocomputation, as they apply to geography—are ideally suited to the simulation of urban dynamics. However, there exist several obstructions to their successful use in operational urban geographic simulation, particularly as regards the capacity of these methodologies to handle top-down dynamics in urban systems. This paper presents a framework for developing a hybrid model for urban geographic simulation and discusses some of the imposing barriers against innovation in this field. The framework infuses approaches derived from geocomputation and complexity with standard techniques that have been tried and tested in operational land-use and transport simulation. Macro-scale dynamics that operate from the topdown are handled by traditional land-use and transport models, while micro-scale dynamics that work from the bottom-up are delegated to agent-based models and cellular automata. The two methodologies are fused in a modular fashion using a system of feedback mechanisms. As a proof-of-concept exercise, a micro-model of residential location has been developed with a view to hybridization. The model mixes cellular automata and multi-agent approaches and is formulated so as to interface with meso-models at a higher scale

Agent fabrication and its implementation for agent-based electronic commerce

In the last decade, agent-based e-commerce has emerged as a potential role for the next generation of e-commerce. How to create agents for e-commerce applications has become a serious consideration in this field. This paper proposes a new scheme named agent fabrication and elaborates its implementation in multi-agent systems based on the SAFER (Secure Agent Fabrication, Evolution & Roaming) architecture. First, a conceptual structure is proposed for software agents carrying out e-commerce activities. Furthermore, agent module suitcase is defined to facilitate agent fabrication. With these definitions and facilities in the SAFER architecture, the formalities of agent fabrication are elaborated. In order to enhance the security of agent-based e-commerce, an infrastructure of agent authorization and authentication is integrated in agent fabrication. Our implementation and prototype applications show that the proposed agent fabrication scheme brings forth a potential solution for creating agents in agent-based e-commerce applications

A general purpose programming framework for ubiquitous computing environments

It is important to note that the need to support ad-hoc and potentially mobile arrangements of devices in ubiquitous environments does not fit well within the traditional client/server architecture. We believe peer-to-peer communication offers a preferable alternative due to its decentralised nature, removing dependence on individual nodes. However, this choice adds to the complexity of the developers task. In this paper, we describe a two-tiered approach to address this problem: A lower tier employing peer-to-peer interactions for managing the network infrastructure and an upper tier providing a mobile agent based programming framework. The result is a general purpose framework for developing ubiquitous applications and services, where the underlying complexity is hidden from the developer. This paper discusses our on-going work; presenting our design decisions, features supported by our framework, and some of the challenges still to be addressed in a complex programming environment

CAMMD: Context Aware Mobile Medical Devices

Telemedicine applications on a medical practitioners mobile device should be context-aware. This can vastly improve the effectiveness of mobile applications and is a step towards realising the vision of a ubiquitous telemedicine environment. The nomadic nature of a medical practitioner emphasises location, activity and time as key context-aware elements. An intelligent middleware is needed to effectively interpret and exploit these contextual elements. This paper proposes an agent-based architectural solution called Context-Aware Mobile Medical Devices (CAMMD). This framework can proactively communicate patient records to a portable device based upon the active context of its medical practitioner. An expert system is utilised to cross-reference the context-aware data of location and time against a practitioners work schedule. This proactive distribution of medical data enhances the usability and portability of mobile medical devices. The proposed methodology alleviates constraints on memory storage and enhances user interaction with the handheld device. The framework also improves utilisation of network bandwidth resources. An experimental prototype is presented highlighting the potential of this approach