Nokia is adding to the list of global companies that is using the emerging markets as a test bed to discover new products and services suitable to those markets. ( IBM is another one where a need in India is driving global innovation for it.) It is doing this via its Ovi Life Tools, a set of mobile information and applicationservices.
Last year the University of Central Lancashire in Preston introduced an application for freshers, with maps, information about services and local transport.
The application-layer FIX (financial information exchange) protocol is used by financial services firms, stock exchanges, and investment banks for automated financial trading.