This trend is particularly evident in developing nations in Asia (85 million mobile accounts) and Africa (58 million mobile accounts), where mobile phones have emerged as a means of extending financial services in lieu of an underdeveloped banking system.
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Imports are slowing as consumers and firms cut back, while the combination of a weak dollar and still-strong global growth means exports of goods and services are rising smartly.
Most immigrants are of working age, which means they consume less of the services provided by the state, such as health care and education, and pay more in taxes.
But the effect of this means services in other trusts would be affected.
Cheque accounts, credit cards and wire transfers provide means of payment for the exchange of goods and services, and financial assets.
It said the voluntary partnerships between bus operators and local authorities had proved a successful means of delivering quality bus services in many areas of Scotland.
The ring fencing of larger service budgets inevitably means that services which are the "meat and drink" of local authorities such as waste collection, street lighting and cleansing, parks and leisure will find the next period incredibly challenging.
Or that more business investment means more supply of products and services.
This fuzziness about the costs of banking services means there is a greater risk that banks will mis-sell other products, to boost their profits - he says.
This is bad news for companies who once hoped that e-mail would be a cheap, effective means of marketing new products and services, and content companies who once hoped to save on printing costs by hawking newsletters and other material through cyberspace instead of the mailbox.
"In this mission, what we want to show is that it is technically possible to safely approach a satellite, which we launch together with our main satellite, to capture it by means of a robotic arm and to perform a number of services like repairing or maintenance operations, " explained DLR's Dr Manuel Metz.
This ageing of mothers means greater demands on maternity services as pregnancies to older women are more likely to involve complications, which demand more of midwives and others in the maternity team.
Most services firms now see the value of Software-Based Services as a means to improve margins and deliver more real benefit to their customers.
For those firms, a baseline premise of what it means for them to be a trusted producer of goods and services is behind their push into sustainability.
That'll be Carwyn Jones , leader of Labour in this neck of the woods, where the Labour line is that universal, rather than means-tested services, are a key part of progressive politics (and that cutting universal benefits brings you relatively little cash but a whole lot of political pain).
The difficulty, of course, is that the very nature of public cloud services means there are few barriers to stop employees from simply using a credit card to self-provision a useful new capability.
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Too often in the past, privatisation had been used as a means of lowering workers' wages and conditions rather than improving the delivery of services, he said.
If "Pediatric Emergency Department" doesn't show up under "type of services, " that means there isn't a "kid-certified" ER in your area.
This enables Telmap to add new functionality to its products and services, which means users of Telmap's apps will benefit from better routing and improved visuals.
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Bailey says that free banking both misleads customers about how they are really paying for banking services, and also means that banks themselves may not properly understand the costs of the products and services they supply.
Since the restructuring of public services and the weeding out of ineffective staff are by no means over, it would be unwise for the new government to take away this flexibility.
Our commitment to this partnership of innovation means Virgin Media TiVo customers are the first to experience the latest interactive services at the press of a button.
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It means, with any interest, an ecosystem of services, support, hosting, customization can grow around Diaspora.
Providing universal coverage of preventive services is by no means a guarantee that people will get them.
Personal budgets are a means to an end: the greater personalisation of services.
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According to Maine Department of Revenue Services estimates, this means that in 2013 approximately 150 to 175 estates will be taxed in Maine and that 400 estates will escape the tax because of the higher threshold.
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That means the book is a product with a number of services attached and needs treating like any other lean start-up.
Yet the success of music subscription services is by no means guaranteed.
For one thing, the genius of the packet-switched network means new VoIP services can reach every user worldwide without any specific infrastructure investment.
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