|
 


 


  
 

 
Presented by
Sushil Bhattacharjee
ID: 082533056
Course: MSETE-596

18 October 2010 1
 Telecom Business Solutions
v
  



1-a) Check balance information using mobile SMS, total solutions is provided
by non-telecom 3rd company
1-b) Balance transfer from one m-bank to another m-bank using mobile SMS,
total solution is provided by non-telecom 3rd company

v

  



2-a) Check balance information using mobile SMS, total solutions is provided
by non-telecom 3rd company
2-b) Balance transfer from one bank to another bank using broadband, total
solution is provided by non-telecom 3rd company

3) 

 
 


18 October 2010 2
  
¢     ÿalso known as M-Banking,
mbanking, SMS Banking etc.) is a term used
for performing balance checks, account
transactions, payments etc. via a mobile
device such as a mobile phone or Personal
Digital Assistant ÿPDA). Mobile banking today
is most often performed via SMS or the
Mobile Internet but can also use special
programs, called clients, downloaded to the
mobile device.
4


4

18 October 2010 4
18 October 2010 5
18 October 2010 6
 M-banking gaining popularity in Pakistan

KARACHI: In its initial stages, the mobile banking in Pakistan has gained
tremendous popularity among customers with rapid pace as colossal amount of Rs
10 billion was transacted through a single cellular operator in a year.

Telenor Pakistan, the subsidiary of Norwegian telecom giant, with its various m-
banking services recorded over six million transaction carried under its brand
͞EasyPaisa͟ by the end of first year.

As recently as two years ago, mobile banking in the developing world was
an object of skepticism among financial insiders. While proponents
argued that cell phones could revolutionize personal finance in poorer
countries, regulators warned of money laundering and most bankers
worried that low customer balances wouldn't be worth the transaction
costs. Many thought of "m-banking" as a niche product that, at most,
could maintain the loyalty of existing traditional bank customers. Few
imagined it might bring savings, credit, and liquidity to those who don't
belong to a bank in the first place.
18 October 2010 7
o
 o   
 v

 

Guagua Rural Bank ÿGR Bank) officially joins the Philippine mobile phone banking
community as it formalized its partnership with G-Xchange Inc. in utilizing the GCASH
platform to facilitate its mobile phone banking services ÿMPBS).

Developed under the Rural Bankers Association of the Philippines-Microenterprise

Access to Banking Services ÿRBAP-MABS) program, MPBS involves the use of mobile
phones in performing bank transactions such as deposits, withdrawals, remittances and
loan payments, among others.

Facilitated by the USAID-supported RBAP-MABS program, GR Bank signed a

memorandum of agreement with G-XChange, Inc., Globe Telecom͛s mobile commerce
subsidiary, on February 18 during the Central Luzon Federation of Rural Bank
Management Conference in Hotel Stotsenberg, Clarkfield, Angeles City, Pampanga.

18 October 2010 8
o       

    
  
-- The magnitude of global mobile banking is forecast to hit
$202 billion by 2012, and 60 percent of that will emanate from the Asia Pacific
region.

Foreign consulting firm Edgar Dunn & Co. added that the Philippines, China,
and India would be leading the way in the Asia Pacific region.

Lance Blockely, managing director of Edgar Dunn & Co. said that the Philippines
is the global leader in mobile money transfer ÿMMT) and ͞the next few years
will be a climate of explosive growth for mobile money transfers.͟

By 2012, 364 million low-income, un-banked people could use mobile financial
services. Likewise, the number of people without a bank account but with a
mobile phone is estimated to grow from one to 1.7 billion.

18 October 2010 9
18 October 2010 10
 ˜     




August 30, 2007 6:12 PM | Services | Comments ÿ0)
Bangalore, India is leading the pack to help alleviate their traffic problems using cell
phone technology. Traffic in Bangalore is horrible so the Bangalore Traffic Police,
Mapunity ÿdeveloper of geographic information systems and services) and Airtel
ÿprovider of telecommunications services) have come up with an urban traffic
information system for Bangalore city known as Bangalore Transport Information
System ÿBTIS).

With BTIS ÿlunched last June), real-time traffic information is generated from the cell
phone tower logs of Airtel's city-wide network, and made available to commuters to
see live congestion hotspots, find directions and plan their travel routes. The entire
information system is available through SMS to Airtel customers using a shortcode
and to others by dialing a ten-digit number. This live traffic information system is the
first of its kind in India. It addresses the growing need of traffic administrators for
centralized traffic monitoring and control infrastructure.

BTIS also offers mobile phone users the ability to carpool by sending text messages
to other BTIS users with the hope of finding someone to carpool with.

18 October 2010 11
18 October 2010 12
18 October 2010 13
 Other solutions could provide
using mobile/broadband services

mStock trading
mPayment by mobile/broad band
mMobile ticketing
mM-learning
mM-medicine
mM-tv and many more.

18 October 2010 14