Singapore operator M1 has launched a series of STK offerings including its Citibank menu-driven service which provides access to account details, transfers and credit extensions France Telecom’s Itichat pilot for m-payments uses a SIMphonic STK from Oberthur Card Systems in conjunction with a Motorola StarTAC D dual slot handset. As a proven technology [...]
Tuesday, March 17, 2009
A SIM Toolkit (STK) allows the operator’s SIM to provide proprietary applications through over-the-air SMS configuration which updates the SIM with new or updated services. Traditionally, the SIM has been used to: * Prevent unauthorised network access using local PIN * Provide secure access to network services * Enable service personalisation, a feature to be [...]
Tuesday, March 17, 2009
The ability to send and receive text messages has catalysed the introduction of mobile banking services. Although SMS is a bearer technology and WAP a protocol, the use of SMS for mobile banking services is significant. As a person to person-centric service it both draws upon the existing handset base and acclimatises users to m-commerce [...]
Sunday, March 15, 2009
Enhanced Data Rates for Global Evolution (EDGE) is a higher bandwidth version of GPRS which will boost transmission speeds up to 384kbps. EDGE also marks a development of the GSM standard and permits migration from GPRS to UMTS through necessary modulation changes. HSCSD (High Speed Circuit Switched Data) is a circuit switched protocol based [...]
Sunday, March 15, 2009
GPRS forms part of the 2.5G development towards higher data rate communication and involves the progression from circuit-switched base data to packet data delivery. This will alter billing systems, which will evolve to charge by data amount rather than duration of access time since the GPRS connection to the internet will be `always on’. [...]
Sunday, March 15, 2009
NatWest’s mobile banking service has been developed as an extension of a successful internet strategy. Aside from banking services natwest.com already offers online share trading, interactive tools and features on financial `events’; in addition to its own branded ISP, NatWest uses a co-branded portal with Yahoo! This enables account balances and last transactions available [...]
Sunday, March 15, 2009
Mobile banking has been most successfully adopted in the UK market by Woolwich, a result of a strategy that dealt with the multi-channel demands that the banking industry faces. The catalyst for the exploitation of the mobile channel arose from the development of Woolwich’s Open Plan service–a result of a review of the bank’s [...]
Sunday, March 15, 2009
Veev offers customers immediate, personalised access to financial services within an environment that also features informational and lifestyle services. As an end to end solution, it provides full call centre support and problem tracking as well as multi-device access through mobile handsets such as Qualcomm’s 2700, equipped with Phone.com’s WAP browser, and PDAs such [...]
Sunday, March 15, 2009
Bank of Montreal is Canada’s largest bank and has a significant presence in the USA through Chicago-based Harris Bank. It is a leading innovator in electronic banking–Bank of Montreal’s mbanx Direct, launched in 1996, was North America’s first virtual bank. Cebra, Bank of Montreal’s online subsidiary, has launched a number of internet initiatives–Epost in conjunction [...]
Sunday, March 15, 2009
Essentially, BT Genie is three businesses–a web-based portal, a mobile-based (WAP) portal and an online network operator. The web-based presence shows how portals can allow operators to compete for the fixed ISP market. Revenue sharing is different with different content partners. The Genie website was launched in September 1997–two years later the portal itself was [...]
Tuesday, March 17, 2009
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