Banks are playing catch-up in many emerging markets where telecommunications companies and networks of agents have been using SMS and text messaging to transfer funds to phones, with the phone owner then able to turn text to cash at a merchant or agent.

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To solve this problem MTN is building a seamless network to tie onboard and on-shore systems together as part of a larger plan to enhance connectivity, regardless of where the passengers wishes to talk, text, or transfer data.

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Dr Sheridon has come up with a so-called wand an electronic stick that can hold ten full-size books and also transfer text on to a sheet of Gyricon if a user runs the wand over the surface like a handheld scanner.

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The improved audio and video playback performance is due to IBM researchers having found a way to partially disengage the error-correcting feature that most hard drives use to regulate the transfer of text-based files, which can interfere with video downloading, the company said.

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While Page Camera works with any type of paper, those from the Evernote Smart Notebook transfer with sharper text.

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In 2007, Safaricom launched M-Pesa (M for mobile and Pesa- a Swahili word for money) which lets users deposit, transfer and withdraw funds via text message.

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"We would have preferred in particular that this text set more binding and shorter deadlines for the transfer of responsibilities and the political transition, " Mr de Villepin said on the sidelines of an EU summit in Brussels.

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Every time you transfer funds or pay a bill online you would acknowledge a text message sent to your phone.

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