Mobile operators as banks or vice-versa? and: the challenges of Mobile channels for banks

This short paper addresses the strategic challenges of deposit banks, and payment clearinghouses, posed by the growing role of mobile operators as collectors and payment agents of flow of cash for themselves and third parties. Through analysis and data analysis from selected operators , it is shown that mobile operators achieve as money flow handlers levels of efficiency , profitability ,and risk control comparable with deposit banks – Furthermore , the payment infrastructures deployed by both are found to be quite similar , and are analyzed in relation to strategic challenges and opportunities This paves the way to either mobile operators taking a bigger role ,or for banks to tie up such operators to them even more tightly ,or for alliances/mergers to take place ,all these options being subject to regulatory evolution as analyzed as well . The reader should acknowledge that there is no emphasis on specific Mobile banking (M-Banking) technologies (security, terminals, application software) , nor on related market forces from the user demand point of view.banking;industry structure;mobile networks;operational cash flow;regulations;transaction systems

Extending Knowledge Management to Mobile Workplaces

Knowledge and Knowledge Management (KM) are evolving into an increasingly eminent source of competitive advantage. However,for the time being, the potential of KM is usually limited to stationary workplaces. This excludes a multiplicity of mobile workers, many of them in charge of knowledge-intensive activities.This paper examines the capabilities and limitations of mobile technology usage in order to support KM. After a general overview of KM, the relevant mobile technology is introduced.Subsequently, the theory of mobile added values is employed to analyze the contributions of mobile technology for supporting KM in the different phases of the KM process. Especially the process of knowledge distribution is qualified to be supported through mobile technology.Knowledge Management; Mobile Commerce; Mobile Knowledge; Management; Mobile Business Processes; Mobile Added Values