Development and Deployment of VoiceXML-Based Banking Applications

In recent times, the financial sector has become one of the most vibrant sectors of the Nigerian economy with about twenty five banks after the bank consolidation / merger exercise. This sector presents huge business investments in the area of Information and Communication Technology (ICT). It is also plausible to say that the sector today is the largest body of ICT services and products users. It is no gainsaying the fact that so many Nigerians now carry mobile phones across the different parts of the country. However, applications that provide voice access to real-time banking transactions from anywhere, anytime via telephone are still at their very low stage of adoption across the Nigerian banking and financial sector. A versatile speech-enabled mobile banking application has been developed using VXML, PHP, Apache and MySQL. The developed application provides real-time access to banking services, thus improving corporate bottom-line and Quality of Service (QoS) for customer satisfaction

Mobile Value Added Services: A Business Growth Opportunity for Women Entrepreneurs

Examines the potential for mobile value-added services adoption by women entrepreneurs in Egypt, Nigeria, and Indonesia in expanding their micro businesses; challenges, such as access to digital channels; and the need for services tailored to women

Spatial ability, urban wayfinding and location-based services:a review and first results

Location-Based Services (LBS) are a new industry at the core of which are GISand spatial databases. With increasing mobility of individuals, the anticipatedavailability of broadband communications for mobile devices and growingvolumes of location specific information available in databases there willinevitably be an increase in demand for services providing location relatedinformation to people on the move. New Information and CommunicationTechnologies (NICTs) are providing enhanced possibilities for navigating ?smartcities?. Urban environments, meanwhile, have increasing spatial complexity.Navigating urban environments is becoming an important issue. The time is ripefor a re-appraisal of urban wayfinding. This paper critically reviews the currentLBS applications and raises a series of questions with regard to LBS for urbanwayfinding. Research is being carried out to measure individuals? spatialability/awareness and their degree of preference for using LBS in wayfinding. Themethodology includes both the use of questionnaires and a virtual reality CAVE.Presented here are the results of the questionnaire survey which indicate therelationships between individuals? spatial ability, use of NICTs and modepreference for receiving wayfinding cues. Also discussed are our future researchdirections on LBS, particular on issues of urban wayfinding using NICTs

International roaming in the EU : current overview, challenges, opportunities and solutions

As technology evolves and globalization continues, the need for reasonably priced roaming services has never been higher. In 2007, the European Commission (EC) introduced a first set of regulatory decisions to cap the maximal roaming fee end users have to pay for voice services. In the years after, additional price caps have been introduced for SMS and data, initially only for end users, in a later stage also for the wholesale tariff. The final step, Roaming Like at Home (RLAH), will start to take effect in June 2017; from then on end users will pay the same price (for voice, SMS and data) when roaming like in their domestic country. The effect of RLAH on the business case of each mobile operator is hard to predict, as the different national markets are extremely heterogeneous and operators face large discrepancies in terms of roaming usage and network costs due to different travelling patterns and various other reasons that cannot be harmonized (geography, economics, working force, usage history, etc.). Furthermore, competition in the telecom market will no longer be a purely national matter, as the decision to abolish roaming tariffs will fully open up cross-border competition. This paper aims at providing insights in the effect of RLAH for both the end user as well as the mobile operators. Following a literature survey approach, including an overview of the roaming regulation process from 2007 up to now, the paper discusses possible effects the RLAH initiative might trigger, going from lower wholesale prices for mobile operators to higher retail prices for end Users. Additionally, as the European Commission strives for a digital single market, this paper presents a number of technical solutions (carrier portability, software-based SIMs, cross-border IMSI, Roaming like a Local, Wi-Fi offloading) that may pose a - partial or full - alternative for roaming and explains how these may impact cross-border competition both positively and negatively. The solutions are assessed against two axes: (1) generating the best possible outcome for the end customers (in all countries) and (2) ensuring the best level playing field for (virtual) mobile operators in Europe, which will of course involve trade-offs on different levels