Assessment of Today’s Mobile Banking Applications from the View of Customer Requirements

Mobile banking is a subset of electronic banking which underlies not only the determinants of the banking business but also the special conditions of mobile commerce. This paper analyzes customer needs and expectations from the mobile applications’ view and from the banking view in order to derive a defined set of requirements. Based on these results, existing mobile banking applications are assessed. Their major shortcomings are explained, opportunities for their improvement are shown and the impact of upcoming new technology is discussed. The outcome of the paper is a defined set of customer requirements to mobile banking applications, the identification and assessment of four standard types of current mobile banking applications and an explanation of major failure reasons along with opportunities for their improvement.

Mobile e-commerce: study and model generation, implementation issues and analysis

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Resource allocation for multimedia messaging services over EGPRS

The General Packet Radio Service (GPRS) is a new bearer service for GSM that greatly simplifies wireless access to packet data networks, such as the Internet, corporate LANs or to mobile portals. It applies a packet radio standard to transfer user data packets in wellorganized way between Mobile Stations (MS) and external packet data networks. The Enhanced General Packet Radio Service (EGPRS) is an extension of GPRS, offering much greater capacity. These enhancements have allowed the introduction of new services like Multimedia Messaging Services (MMS). MMS enables messaging with full content versatility, including images, audio, video, data and text, from terminal to terminal or from terminal to e-mail. The Wireless Application Protocol (WAP) is the WAP Forum standard for the presentation and delivery of wireless information and telephony services on mobile phones and other wireless terminals. In this thesis it is indicated that efficient radio resource allocation is necessary for managing different types of traffic in order to maintain the quality demands for different types of services. A theoretical model of MMS and WAP traffic is developed, and based on this model a simulator is implemented in Java programming language. This thesis proposes two techniques to improve the radio resource allocation algorithm performance called "radio link condition diversification" and "interactive traffic class prioritization". The radio link condition diversification technique defines minimum radio link quality that allows the user to receive their packets. The interactive traffic class prioritization technique defines different priorities for WAP packets and for MMS packets. Both techniques give good results in increasing user's perception of services and increasing network efficiency. This thesis indicates also that the prioritization mechanism successfully improves the response time of the interactive service by up to 80% with a setting of priority for interactive traffic class and decreasing the performance of the background traffic. This decrease is within a range acceptable by the end-user and that the link conditions limit mechanism has an advantage in terms of resource utilization

A cooperative cellular and broadcast conditional access system for Pay-TV systems

This is the author's accepted manuscript. The final published article is available from the link below. Copyright @ 2009 IEEE. Personal use of this material is permitted. Permission from IEEE must be obtained for all other users, including reprinting/ republishing this material for advertising or promotional purposes, creating new collective works for resale or redistribution to servers or lists, or reuse of any copyrighted components of this work in other works.The lack of interoperability between Pay-TV service providers and a horizontally integrated business transaction model have compromised the competition in the Pay-TV market. In addition, the lack of interactivity with customers has resulted in high churn rate and improper security measures have contributed into considerable business loss. These issues are the main cause of high operational costs and subscription fees in the Pay-TV systems. As a result, this paper presents the Mobile Conditional Access System (MICAS) as an end-to-end access control solution for Pay-TV systems. It incorporates the mobile and broadcasting systems and provides a platform whereby service providers can effectively interact with their customers, personalize their services and adopt appropriate security measurements. This would result in the decrease of operating expenses and increase of customers' satisfaction in the system. The paper provides an overview of state-of-the-art conditional access solutions followed by detailed description of design, reference model implementation and analysis of possible MICAS security architectures.Strategy & Technology (S&T) Lt

FOREIGN EXCHANGE SIGNAL ANALYZER (FXSA) FOR VIETNAMESE EXCHANGE MARKET

In the process of global trade integration, along with the rapid pace of mobile technology, the market players have a high demand for a system that delivers concise and precise market data that they can bring along in their cell phone anytime and anywhere. FXSA is a system that will bring together all needed market data related to the local exchange market from different sources on the Internet, and deliver them to the users via WAP and SMS technology. FXSA saves the effort of market information seeker to retrieve information from different sources by concisely displaying most updated market figures and news and alerting to its customers via SMS. FXSA also enables the market players to create a mobile community via the use of forum with SMS alerts. With those features and thenew implementation of 3G technology, FXSA is believed to get high demand for usage.

The Origins of New Industries: The Case of the Mobile Internet

This paper describes a model of new industry formation that is based on evolutionary theories of technical change. It represents the origins of new network industries as the interaction between multiple technological trajectories that are specific to a particular technology or broadly defined technological regime. The speed with which these multiple trajectories cause industry formation depends on their effective application to the most economical applications; this process occurs through the interaction between design hierarchies and market concepts. Growth in these initial applications causes sub-trajectories or sub-regimes, where competition in the new industry initially takes place, to emerge from the main trajectories. The model is applied to the mobile Internet, an industry that has just started to grow particularly in Japan and Korea.Origins, Industry, Technology, Trajectory, Design, Hierarchy, Market, Competition, Cooperation, Disruptive, Mobile, Internet