Mobile commerce is driving the requirement for mobile remote payments, creating new revenue potential for businesses involved in the value chain including Communications Service Providers, banks and credit card companies, transport operators and merchants and also postal operators who have diversified by offering banking services and mobile services through their vast networks.
An estimated 18 million adults, or 7% of the adult population, are "active users" of mobile banking, meaning they use it at least once every three months a small but growing fraction of the 196 million adults, or 84% of the population, who use any kind of banking services, said Red Gillen, a mobile- banking analyst at Celent, a financial-services research firm.
The proliferation of the middle class has erupted in a spree of banking services offering mobile apps and ATMs to the population.
In the past three years Intuit has made a priority of replacing the no-growth packaged-software business with faster-growing online versions of its big hits and with subscription services such as online and mobile banking software.
When Wells launched its mobile banking in 2007, the bank built out its services, including the ability to do wire payments through the cell phone.
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This includes mobile payment, enterprise productivity and mobile banking applications, as well as online commerce and premium content services.
Mobile phones have proven dynamite in other developing countries in providing banking services where no banks exist ( Kenya is a well-documented pioneer).
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Banks in emerging markets are using mobile phones to extend their services to existing customers and to provide banking connectivity to individuals with no previous banking relationship.
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And if you allowed her to connect to the social web without exiting the mobile banking application, you might get to know how she felt about your services, what products she came looking for, who her friends are and whether they should shop for another bank offering a better deal.
New mobile innovations for financial services are taking off in emerging markets that lack a traditional banking infrastructure.
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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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Much of mobile data spending is still on simple features like text messaging, but carriers are banking on a host of data services for future growth.
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