Factors Influencing the Short Message Service (SMS) Mobile Banking Adoption: A Users’ Perspective in the West Nile Region in Uganda

The purpose of the study was to investigate empirically which factors contribute to the adoption of Short Message Service (SMS) banking in the West Nile region in Uganda based on student mobile users who own bank accounts. Respondents were drawn from 3 University Campuses in the West Nile region in Uganda where students and mobile users who own bank accounts were identified. Through purposeful sampling, a self-administered questionnaire was administered to a sample of 90 graduate students from the three selected University Campuses with 60 questionnaires returned hence a response rate of 70%. Quantitative statistics that includes means, frequencies and percentages were used to analyze the data. The results reveal that there is strong positive relationship between financial cost, quality of Internet connectivity, complexity and trialability as far as SMS banking adoption is concerned. Age and gender also played a significant influence in SMS banking at different categories of students. Whereas perceived ease of use, security and trust influence were not significant for SMS banking adoption. Consequently, the study conclude that in order to increase adoptability of SMS banking, banks in liaison with telecom service providers, are advised to improve on the Internet connectivity and affordability to support usage of mobile money platform. Keywords: Short Message Service (SMS) mobile Banking, Adoption factors, Users Perspective, and West Nile Regio

APLIKASI SMS GATEWAY DENGAN PROTOKOL SMPP (SHORT MESSAGE PEER-TO-PEER) PADA PC (PERSONAL COMPUTER

SMS (Short Message Service) merupakan prodruk derivative dari teknologi GSM (Global System For Mobile Communication) yang sekarang sangat meluas penggunaanya bukan karena kemudahan dan fasilitas person to person secara langsung tanpa melalui operator seperti halnya pager dahulu tetapi juga karena harga pengiriman sms yang relatif murah. Dewasa ini pengguna sms juga telah dimanfaatkan untuk keperluan bisnis. Dalam interkoneksi antar jaringan sms dengan internet Program aplikasi SMS gateway dengan Protokol SMPP (Short Message Peer to Peer Protocol) pada PC (Personal Computer) menggunakan protokol smpp.dll. dimana smpp adalah sebagai protokol komunikasi antara SMSC (Short Message Service Center) dan ESME (External Short Messaging Entities). Platform operating system yang di gunakan adalah Microsoft Windows dengan bahasa pemprograman menggunakan Microsoft Visual Basic 6. Dengan adanaya program Aplikasi SMS gateway dengan Protokol SMPP (Short Message Peer to Peer Protocol) pada PC (Pesonal Computer) ini di harapkan untuk mempermudah dan menambah kemudahan pengguna SMS khususnya dalam bidang jasa yang berbasis teknologi SMS

A case study of MMO2's Madic: A framework for creating mobile internet systems

Mobile Internet applications on ubiquitous mobile networks allows real-time, anywhere, anytime connectivity to services. Due to its scalability and potential cost savings, mobile communication is being increasingly applied in the business and consumer communities to create innovative data and voice application, which run over the Internet infrastructure. This paper reports on a case study at an organisation that created an innovative approach to developing mobile applications developed by third party independent developers. A conceptual wireless reference model is presented that was used to define the various system components required to create effective mobile applications

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

A novel platform incorporating multiple forms of communication to support applications in a mobile environment

This thesis discusses the creation of a novel platform that incorporates multiple communication methods, including SMS, email and web-based technologies, for interacting with users of mobile communication devices. The platform utilises people in a mobile environment to solve a range of different application problems, where each problem is a separate and distinct scenario type with unique objectives. There are existing applications available that interact with users of mobile communication devices to provide a service, such as regular weather updates to the users. Other applications have been designed to manage and coordinate the users to perform tasks within a mobile environment, such as performing field studies for scientific purposes. However, the existing applications are designed for only one specific scenario, with the design and implementation solely focused on solving the objectives of that scenario. Each component of these applications needs to be developed from scratch in order to cater for the application s requirements. There is currently no integrated communications platform that offers a framework for supporting a range of different scenario types. The new platform, entitled the Connected-Mobile Platform, aims to support the rapid development and implementation of new scenarios. This platform is composed of a framework of generic components that enable the active running of multiple scenarios concurrently, with the ability to tailor to the requirements of new scenarios as they arise via a structured process. The platform facilitates a means to coordinate its users in order to tackle the objectives of a scenario. The thesis investigates several system architectures to determine an appropriate architectural design for constructing the proposed platform. The platform has a generic framework, based on a client-server architecture, to facilitate the inclusion of a multitude of scenarios. A scenario represents a problem or an event, whereby the platform can utilise and interact with users of mobile communication devices to attempt to solve the objectives of the scenario. Three mobile communication methods are supported; the Short Message Service, electronic mail and web-forms via the mobile internet. Users are able to select and switch between the different methods. The thesis describes the platform s tailored communication structure for scenarios and autonomous analysis of messages. The thesis discusses case studies of two different scenarios to evaluate the platform s facilities for rapid scenario development. The Diet Diary scenario, which is for individual users, aims to manage a user s daily calorie intake to help them reach their desired weight goal. The focus is on the platform s functionality for analysing and responding to messages autonomously. The Missing Persons scenario, which utilises multiple users, involves tracking and locating people who have been reported missing. The focus is on the platform s functionality for coordinating the multiple users, through the creation of assignments, in order to distribute the scenario objectives. The thesis concludes by highlighting the novel features of the platform and identifying opportunities for future work

Platforms and Protocols for the Internet of Things

Building a general architecture for the Internet of Things (IoT) is a very complex task, exacerbated by the extremely large variety of devices, link layer technologies, and services that may be involved in such a system. In this paper, we identify the main blocks of a generic IoT architecture, describing their features and requirements, and analyze the most common approaches proposed in the literature for each block. In particular, we compare three of the most important communication technologies for IoT purposes, i.e., REST, MQTT, and AMQP, and we also analyze three IoT platforms: openHAB, Sentilo, and Parse. The analysis will prove the importance of adopting an integrated approach that jointly addresses several issues and is able to flexibly accommodate the requirements of the various elements of the system. We also discuss a use case which illustrates the design challenges and the choices to make when selecting which protocols and technologies to use

Trusted integration of cloud-based NFC transaction players

Near Field Communication (NFC) is a short range wireless technology that provides contactless transmission of data between devices. With an NFC enabled device, users can exchange information from one device to another, make payments and use their NFC enabled device as their identity. As the main payment ecosystem players such as service providers and secure element issuers have crucial roles in a multi-application mobile environment similar to NFC, managing such an environment has become very challenging. One of the technologies that can be used to ensure secure NFC transaction is cloud computing which offers wide range of advantages compare to the use of a Secure Element (SE) as a single entity in an NFC enabled phone. This approach provides a comprehensive leadership of the cloud provider towards managing and controlling customer's information where it allows the SE which is stored within an NFC phone to deal with authentication mechanisms rather than storing and managing sensitive transaction information. This paper discusses the NFC cloud Wallet model which has been proposed by us previously [1] and introduces a different insight that defines a new integrated framework based on a trusted relationship between the vendor and the Mobile Network Operator (MNO). We then carry out an analysis of such a relationship to investigate different possibilities that arise from this approach