Mobile Apps Help to Accelerate Financial Services and Banking Industries

According to the recent report of Juniper Research, a company that renders mobile research, analysis and forecasting services, mobile banking users worldwide from just over 300 million in 2011 will reach 530 million by 2013; whereby the highest penetration of users will have the developed markets of North America, Western Europe, as well as the Far East, and China. In some regions of the globe like the US, the usage of mobile banking apps already surpasses that of the desktop-based ones.

What are the major benefits of mobile apps for finance organizations and banks? Obviously, the main advantage of mobile applications is that they offer all banks and finance companies an opportunity to improve customer acquisition and retention, whilst reducing operational costs. Thus, the expenditures on carrying out transactions get minimized, since many affairs are electronic and do not require human participation.

Research studies indicate that customers are getting comfortable with undertaking basic banking procedures on their mobile devices. Most common banking services performed on mobile phones have traditionally been SMS-based inquiries using text commands, that have typically been restricted to informational services such as transaction records, balance status, market information, and minor transactions related to account administration and settings. Nowadays sophistication of functionality is a trend in the evolution of mobile banking and finance applications.

The flexibility of modern mobile apps allows performing numerous transactions across various national and international banks. Moreover, in the near future financial institutions anticipate customer demand for smart apps designed for mobile platforms, such as iPhones, iPads, and Android devices. This is also confirmed by the fact that many consumers nowadays are seeking for reliable and effective ways to control and to increase their finances in uncertain economic times and conditions. In this situation mobile applications from finance organizations can supply under-served clients with means to manage and leverage investment or business opportunities. For example, target clients can receive loans for business development via mobile phones.

Overall, various forecasts suggest a continuous popularity growth of mobile payment solutions, as well as the evolvement of contact-less technologies, such as near field communication (NFC), that facilitate payments with the help of mobile wallets, enabling consumers simply to wave their phones near a POS-device in order to make a payment, rather than use plastic cards with magnetic stripes. Therefore, the future of banking and finance services is tightly coupled to mobile technologies and platforms. Private clients tend to use mobile apps as the primary information and transaction medium for their banking activities. However, even now some banks still have no apps to offer their clients.

Elinext Group

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With over 15 years of experience and over 300 professionals on board worldwide, Elinext Group is a global supplier of IT solutions for various industries, including advertising, accounting, banking, education, finance, healthcare, hospitality, real estate, retail, tourism and others. Elinext companies specialize in custom software development, mobile development, web development, TV app development and game development.

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2013 - An Unexciting Year in Mobile Phones?

2012 has been, as expected, quite simply the most exciting year in the history of mobile phones- not to mention consumer technology in general. We've already seen the dawn of a new tablet PC war that was recently joined by the iPad Mini, arrival of the iPhone 5 that we had originally expected to see previous year and the launch of Samsung Galaxy S3 - the biggest and best Android Smartphone in the history of the market.

In fact, there have been more major product launches in 2012 than in any other year since the dawn of the Smartphone revolution, with records being broken across the board and new standards being set on a daily basis. Seeing such trends, you'd probably assume that 2013 is going to kick things up a notch and basically run circles around 2012 in terms of excitement and Smartphone prowess.

Sadly however, you'd be very much mistaken. Let's see how:

Be Careful what you Wish for

The situation as is stands at present, can be illustrated in the form of a single device - that being the legendary iPhone 5 from Apple. Ever since iPhone 5 failed to make an appearance last year, the rumor-mill went relatively crazy in its attempts to paint a weird and wonderful picture of what to expect. From a larger screen to a faster processor to a slimmer case to a better battery to 4G LTE connectivity and so on, the wish-list was a large and most realistic one.

Fast-forward to Q3 2012, the iPhone 5 finally arrived and made good on the hype. As expected and hoped, it delivered a larger screen, slimmer body, new OS, better battery, 4G LTE and so forth. What's more, it immediately broke all existing Apple sales records and continues to do so today.

So, why is it then that even taking into account all of the above, tech-gurus are still not as excited as they should have been?

Bigger, Not Better

Well, the simple answer is the fact that while the iPhone 5 took several things to the next level in terms of specs and features, it didn't actually bring anything new to the table whatsoever. Yes it was faster than the iPhone 4S; yes its screen was bigger; yes it had 4G LTE connectivity and it was pretty amazing to look at; but technically is was nothing more than an iPhone 4S with a shot of espresso woven into the lining. In fact, Apple's Android rival Smartphones had already been offering massively faster processors, larger screens and 4G LTE for months.

Is this really what it has come to? Just recycling old ideas and giving them a new lick of paint or injection of vitamins?

A Gloomy Outlook

Sadly, when looking at the current Mobile Phone market realistically; exactly where else could developers go that hasn't already been done? Smartphones are already all-powerful computers and digital cameras with phones attached; therefore, how will it ever be possible to break the mold again?

Based on such facts, expect big things in 2013; though pretty much nothing we haven't already seen before!

2012 has been registered as best as far as growth and development in Mobile Phones is considered. However, things might just be slightly lacking in the coming year. Learn more about different aspects that might serve to hinder the advancement of Mobile Phones industry.

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Mobile Phones Are Perfect For Life on the Go

Mobile phones have revolutionized the way that we think and act in our society today. Without the use of these phones we will not be able to communicate as effectively as we do on a daily basis. Since the invention, and redevelopment, of the mobile phone business and everyday life as we know it today would not be the same if we had to rely on using just the home phone. Mobiles have numerous benefits, uses, and types that the possibilities are nearly endless when it comes to choosing the perfect phone for you.

The Benefits of Mobiles

Mobiles have many benefits including mobility. These phones were made to go on the road along with you so that you never miss an important call again. This will allow you to keep in touch with everybody while you are out on the road, running errands, or even out with friends. Portability is an aspect of our society today that we would not be able to live effectively without.

Another great benefit about using these phones includes the different features that can help to make your life easier. Each of these mobile phones has some of the same features while others can have different features that might work better for your life. By making sure that you look for the phone that has everything that you want you will be able to make sure that you purchase the perfect phone for you.

The Uses of Mobiles

When it comes to the uses, you will find that they are developed and designed to make your life easier. Even though these phones were bigger when they were first developed they have shrunk in size. By getting smaller the users of these phones find that they are easier to be carried around and brought with them wherever they are going. This is a crucial aspect especially in a world where smaller is better.

Another great use for these phones is an office away from the office. Not only are you able to check your email on some of the "smart" phones but you can also check the internet if you are unsure about something or want to check one of your social profiles. This can be a great addition to the portability factors and can benefit the user in many ways.

When it comes to choosing the perfect mobile for you than you would want to keep all of your needs in mind as well as your budget. Make sure that you will be able to effectively afford the mobile phone before you sign any type of contact. By making sure that the mobile phone fits into your budget you will be able to use it effectively every month without having to worry about not having any extra money for the month. Mobile phones can be perfect for any budget and for use while you are on the road for longer periods of time.

Mobile phones are a great way to keep in touch with everybody while you are on the road. They are more effective and useful than home phones and they will make sure that you will never miss another call.

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The Benefits of Using a Mobile Phone

Mobile phones are known all around the world as a great way of communicating and being able to keep in touch with everybody at any time of the day. When it comes to choosing the perfect one for you than you would want to make sure that you keep in mind all of the different wants and needs that you will need in a mobile device. Since each of these phones can vary it is essential to choose one that will work for every one of your needs.

The Numerous Benefits Associated With Mobiles

Before you choose the perfect mobile for your needs you would want to think about the different features that you want and what benefits that particular phone has for you. One of the main benefits that people receive when using these devices is that they see an increase in the portability of these devices. With a home phone the user is limited to where the cords for the phone reach and have to rely on an answering machine to catch their messages when they are not at home. With a mobile the use of a home phone has decreased considerably. Depending on where your phone gets reception you will always be able to keep in touch with anybody that calls.

Another great benefit of having a mobile is that you can get different features that are not available in home phones. Some phones are considered "smart" phones and they allow the users to access their email accounts and the internet while they are on the go. Even though this is a great feature it may not suit everybody so there are phones that do not feature this piece of technology. When you are choosing to go with a mobile you would want to find one that has the features that you are looking for while staying within a set budget.

Setting a Monthly Budget When Purchasing a Mobile

When you are thinking about purchasing a mobile phone for your personal use you would want to set a budget and stick to that budget. When you are purchasing a phone you will want to look into the different service providers that will work with that particular phone. When you purchase a mobile phone you would also have to purchase a monthly plan for that phone. So setting a budget aside monthly for your mobile phone service you will be able to see how much you would be able to afford monthly towards the phone of your dreams.

When you are choosing the perfect mobile phones for your needs you will want to shop around until you find the one with the different features that you are looking for. The mobile phone is an excellent solution when it comes to being able to get in contact with people while you are not at home. This is a great alternative to having a home phone due to the fact that you will never miss a call again unless you find yourself out of the cell reception area.

Mobile phones are a great invention that will allow for you to get in contact with people while you are on the road or away from home. These phones are a great way to keep in touch with friends and family while getting the extra benefits that you are seeking.

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Mobile Phones Are a Sign of Change in Our Society

Mobile phones have become the staple in the way we live our lives today. Many people are unaware of what they would do with their daily lives if their phones were taken away. Along with the different benefits that one receives when using cellular phones there are other advantages such as price that can set these phones apart from home phones or other sources of communication.

Benefits of Owning a Cellular Phone

When you own a cellular phone you would be able to receive numerous benefits and each one of these benefits would help you in one way or another. The first main benefit of owning one of these phones is that you get the mobility of a hand free and wireless device. Many people who use the traditional home phones, with wires and cables, are changing over to using one of these mobile phones because they can take it with them on the go. The main benefit here is mobility. With a cellular phone you are able to take it with you while you travel, while you run errands, and while you are away from the home. If you rely solely on a home phone you will find that you miss important phone calls while you are out of the house. Using one of these home phones is nearly impossible unless you purchase an answering machine to go with it.

Another great benefit is that you can find a phone that features everything that you are looking for. Unfortunately there are some phones that don't have many features but on the other hand there can be some phones that offer way more features than you could possibly ever need. In order to find the perfect phone you would want to do your research and wade through all of the different phones until you find one that has only the different features that you are looking for.

Different Prices of Mobile Phones

When it comes to choosing a phone to go with that would be perfect for you then you would want to choose one that is in your price range or budget that you have set aside. By making sure that you follow with your budget you will be able to not go too overboard and purchase a phone that you will not be able to pay for. These phones come in a variety of different prices so depending on your budget you will be able to find the correct one for you.

Usually the phones that have little to no extra features cost less. The phones that have every feature underneath the sun will be more costly. Make sure that you talk to the service provider to see if the phone that you are looking to purchase is not only affordable but it is well worth the money that you want to spend on the product.

Purchasing mobile phones can be a great investment especially in a world where we are always on the go. By doing the proper research and looking around you will be able to find that perfect mobile phone for you.

Mobile phones not only are great while on the go but they can be a great investment for your family. These phones will set you apart in a crowd and finding the perfect mobile is as easy as looking for what you want to see in a phone.

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How Do You Choose The Right Mobile Plan?

At one point in your life, you will find yourself considering to switch to a new mobile plan. And whether it's because you're already tired of your current plan or simply want a new experience, you will also find that choosing the right mobile plan can really be tough nowadays. What with all the endless promos and confusing subscription plans mobile companies bombard their customers. To make things easier for you, here is the most important question you need to ask yourself before making the switch.

Should I Go Prepaid or Postpaid?

Before you make your decision, you need to realize that both prepaid and postpaid have their own pros and cons. Generally, prepaid plans are the more expensive option. The call rates are usually higher and they offer less free text. What's more is that frequent trips to the store to reload your phone can be a real waste of time and energy.

The main advantage of prepaid, however, is that it gives you the ability to pay based on your need, which is why it is also called a "pay-as-you-go" plan. Another important advantage of prepaid is that it allows you to change mobile carriers quickly and easily once you get dissatisfied with the services you are getting.

If you choose to go prepaid, here are some tips to help you get the most out of your plan:

1.) Use text and call services only if it's important.
2.) Take advantage of free online SMS services.
3.) Steer Clear from Unnecessary Extra services.

If you're not sure where to get best prepaid mobile plans, you can start by doing some research online, visiting review sites, forums, and mobile plan comparison sites.

Going to the postpaid mobile plan option, this plan is perfect for you if you are a heavy user. Its main disadvantage, however, is that it gives you less control over your text and call expenses. This means you can expect surprises from your bill at the end of the month, especially if you failed to properly use your mobile plan. If you plan to go for this option, the first thing you need to do is get familiar with the different postpaid plans available in your area. Next, you should define your needs and find the best postpaid plan to meet them. It's a very common mistake among consumers to choose a plan with minutes and credits they cannot consume in a month.

Regardless of whether you choose to go postpaid or prepaid, you have to base your decision on your particular needs. Also, make sure you take time to weigh the pros and cons of both options before making a decision. This will help make sure that you end up with the right mobile plan that will meet your requirements.

Both prepaid and postpaid plans have their own share of pros and cons, but in the end, it's the prepaid option that offers the most benefits. If you want the best prepaid phone plans, comparemobileplans.com.au is the best place you should go to.

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A Mobile Management Strategy Is No Longer a Luxury

Gone are the days when companies could choose whether to incorporate mobile devices into business operations. In the modern era, information officers must juggle more technologies than their predecessors ever imagined. This requires a knowledge of how and where to focus corporate resources and individual attention. Customers have come to expect access to information at any time and from anywhere and expectations of workers are now no different. This makes development of a mobile management strategy an important item on the to-do list of information officers.

Taking a Proactive Approach

Markets and technology seem to change at the speed of light. When faced with these changes, the best companies assume a leadership role. Resisting change causes a company to become obsolete. However, it is not enough to merely embrace change because this simply continues the status quo. Becoming a leader in an environment of change allows a company to flourish. There are many important trends brewing at any given moment, allowing companies to assume leadership roles on a regular basis.

One of the latest trends is mobility and this is still in its infancy. Included are more compact and feature- packed mobile devices, wireless technology advances, and the so-called "consumerization" of the information technology function. Mobility represents a huge opportunity for businesses of all types and sizes. This trend is expected to be as massive as the Internet revolution, but it will also be unique.

Characteristics of the Mobility Trend

It is difficult to imagine a trend that would have the same impact that the Internet did just 15 years ago. Mobility is expected to affect much of the world, forever changing the way we operate. While the Internet drove technology changes that connected information technology professionals with customers, the mobility trend will contribute to sweeping change in the workforce. Having a mobile strategy in place to deal with this change is essential.

Businesses must embrace the reality that many workers have become non-traditional. Employees now carry out their responsibilities in places other than the office. They work from the airport, train station, hotel room, and even at home. A mobile strategy must account for this changing reality, allowing workers to get the information they need when they need it so the business can remain competitive.

Important Components of Mobile Strategy

When developing its mobile strategy, a company should focus on optimizing business processes. Many companies initially concentrate on getting consumer mobile devices to perform the functions that workers demand. This makes a bring-your-own-device policy important to a corporate mobile strategy. According to a study by information technology research company Gartner Inc., nearly all companies will support at least one corporate application installed on personal mobile devices by the year 2014.

Business intelligence should also become part of a mobile management strategy. More workers are using tablet computers, and smartphones are boasting newer productivity-related features, thrusting mobile business intelligence to the forefront. Business intelligence is expected to catch up with mobility this year and the best companies will be prepared.

Do you need help developing an effective mobile management strategy for your business? Give Tele-Watch.com a call! We are a team of mobile management specialists that will evaluate your current programs and ensure that your mobile systems are meeting your demands. For more information, visit our website today!

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How To Increase Sales And Revenue With Mobile Commerce

Mobile commerce or mCommerce is one of the most innovative mobile payment platforms that support a seamless on-the-go shopping experience using a mobile Smartphone, tablet or any other emerging Internet-enabled technology device. Mobile commerce is experiencing such explosive growth that many retailers are rushing towards this trend to enable their customers buying and selling of products and services through a mobile device.

The article below explores how mobile commerce is going to redefine the way business is done via mobile payment platform all over the world and identifies some ways how to increase sales and revenue with it.

Mobile Friendly Website

Today's consumers want to browse and buy on-the-go. This behavior enhances the use of mobile based websites and further conduct commerce. Therefore, it is important to consider an m-Commerce website. This will engage customers and drive their participation in commercial activities. This means the companies should convert their website into a mobile friendly site and leverage the opportunity to increase sales and revenue.

Loyalty Programs

Loyalty programs are the other important way to utilize mobile commerce technology. The companies can promote their products and services and reach and sell to their target customers via mobile campaigns. Real-time transaction-based customer analytics also allow companies to evaluate and track their campaign's effectiveness.

Mobile Payment Application

Companies can offer their customers a free mobile payment application for the iPhone, BlackBerry, Google Android and Windows Mobile Smartphone. While the customers can avail multiple services and buy products on such a common mobile payment platform. There are so many mobile payment applications available in the market. Next generation mWallet payment application is one such application which offers a safe, reliable and secure mobile payment processing orders in a real time.

NFC Mobile Payments

NFC (Near Field Communication) plays an important role in shaping the future of mobile commerce. An instant contactless payment system through NFC can add convenience to process transactions on the spot. A lot of mobile phones are not yet NFC enabled, but when the mobile phone manufacturers provide this feature in all the phones this will boost mobile commerce services.

Though, mobile commerce is still at a nascent stage but it is poised for exponential growth in the retail industry. So spend a little time understanding how next generation mCommerce ecosystem empowers the merchant, telcos and operators, and the mobile sales force with the ability to process customer orders anywhere, anyplace and anytime.

Contact us to see how you can increase your company's sales performance and revenue growth.

Shashi K Singh is a social media manager with vast experience, now working for xpWallet - Next Generation mWallet products and services provider, an emerging leader in the space of mobile financial services & mobile wallet Payment Solutions.

Click here for details for mobile payment applications.

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Three Reasons You Should Think Twice Before Going for a Postpaid Mobile Plan

Perhaps the most important question consumers ask themselves before choosing a mobile plan is whether they should go for a prepaid plan or a postpaid plan. Both have their own share of pros and cons, but today, more and more people seem to go for the latter option. A postpaid plan is actually a good choice if you're a heavy user. Other than that, there seems to be no point at all why you should take this route when choosing a mobile plan.

The number one reason why you should think twice before choosing to go for a postpaid plan is that it's generally really expensive. Yes, you only get to pay a small, set amount each month, but if you really come to think of it, you are actually paying more for the phone you're buying in the long run. If you go for prepaid, you only pay the exact amount of the phone you want, but with postpaid, you usually pay several dollars more.

The second reason why you should have second thoughts about going for a postpaid mobile plan is that it binds you to a long-term contract. Most users do not see the point why they should sign a two-year contract just to enjoy the services offered by mobile companies.

Finally, with a postpaid mobile phone plan, you pay a fixed amount every month whether you use the call and text services or no. With a prepaid plan, you only pay for the services you use, which gives you total control of your mobile phone expenses. With a postpaid plan, on the other hand, it's difficult to get the most out of your plan because unless you closely monitor your phone usage. And unless you're a heavy user, there will be tendency for you to not maximize your phone usage and end up having unused credits at the end of the month. And if you're not too careful with your phone usage, you can also end up going over your credit limit. As a result, you will be surprised why your bill is so huge when it arrives.

The bottom line is unless you're a heavy user and unless you can monitor your monthly call and text expenses efficiently, you should really think twice before going for a postpaid mobile plan. Go for a prepaid mobile plan instead, which allows you more control over your expenses.

A postpaid mobile plan offers a lot of benefits to heavy mobile phone users. Generally, however, a prepaid plan has the edge, especially when it comes to having control over your monthly mobile phone expenses. For the best prepaid mobile plans available today, check here.

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Knowing Your Mobile Applications

A mobile application is a software program you can download and access directly using your smart phone or a mobile device. However, not all applications work on all mobile devices.

The Android, Apple, Microsoft and BlackBerry mobile operating systems have application stores online where you can download and install applications. If you have a smart phone, you can use mobile applications to play games, access news, books, weather, and more.

Mobile apps can be so much fun and so convenient that you might download them without thinking about how they are paid for, what information they may gather, or who gets that information.

When you download mobile apps from an online store, the mobile applications may be able to access:

· Phone and email contacts

· call logs

· internet data

· calendar data

· Information about the device's location

· the device's unique IDs

· information about how you use the application

Free mobile apps make money in the following ways:

· Some sell advertising space within the mobile application. The developers can earn money from the ads, so they distribute the app for free to reach as many users as possible.

· Some mobile apps offer their basic versions for free. Their developers hope you will upgrade to a paid version.

· Some apps allow you to buy more features within the mobile application itself.

· Some apps are offered free to interest you in a company.

Some mobile applications use location data to give you maps, coupons for nearby stores, or information about who you might know nearby. Some provide location data to ad networks, which may combine it with other information in their databases to target ads based on your interests and your location.

Once a mobile app has your permission to access your location data, it can do so until you change the settings on your smart phone. If you do not want to share your location, you can turn off location services in your smart phone. But if you do that, apps won't be able to give you information based on your location.

Mobile apps developed by firms are notching up millions of downloads on online stores. Recently, a mobile application developed by a gaming company was the toast of the mobile world as it emerged as the topmost application across the US and UK, notching up 10 million downloads by users of Apple devices. A clutch of mobile application development companies are emerging as trendsetters on the global stage.

Srishti Innovative Computer Systems http://www.srishtis.com/, is a leading service provider of smart phone applications and web development with its operational base in India and California.

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Google Readying New Nexus Mobile Phones - Apple Fights Back With Massive New Product Launch

Talk of the town in mobile-technology industry for past several months has been "Will they or won't they?" situation surrounding the iPad Mini. Ever since the idea of a smaller iPad was first debunked by co-founder Steve Jobs in 2010, the world has been dying to find out whether or not the Cupertino collective was bluffing. Well, recently Apple seemed to confirm that they were; as despite no new mobile phones making an appearance, the iPad Mini was officially born!

... and it certainly didn't come to the party alone.

Strength in Numbers

The arrival of the iPad Mini has come to be expected with the same level of certainty as the sun rising in the morning. The incredible success stories of the Amazon Kindle Fire and the Google Nexus 7 had made the iPad Mini inevitable; therefore, its appearance recently was not exactly a surprise.

What was a surprise, however, was the way Apple decided to up the ante considerably by throwing all manner of goodies into the affray, stopping just short of including the kitchen sink. Along with the iPad Mini, the world was also introduced to the slightly more-affordable 13-inch Retina MacBook Pro, new Mac Minis and perhaps most surprising of all, a brand-new iPad 4.

Apple is long known to reveal and unleash new iPads closer to the springtime, so what exactly is their game here? Why launch so many products at once that could steal attention from each other? Possibly could it be to make the most of the Christmas buying season?

Perhaps in part, but more likely the answer is an attempt to thwart the chances of Google and Microsoft thus stealing their thunder.

Google Nexus

While nothing is yet confirmed, rumor has it that Google's press event next Monday will herald the introduction of the all-new Google Nexus 10 tablet, which has a spec and feature list mighty enough to dethrone the iPad. In addition, the event is also scheduled to include the debut of the very first LG Nexus series of mobile phones, which again packs a wallop sizable enough to knock the iPhone 5 off its pedestal.

Given the fact that we already knew most of this, chances are the folks at Apple were way ahead of us all along and have thus acted accordingly. There's nothing like drawing attention away from a rival's latest and greatest product launch with one or two of your own - never mind the half a dozen or so Apple has thrown into the mix.

Microsoft Surface

Now here comes the Microsoft Surface Tablet as well, which has had the mother of all marketing campaigns thrown behind it and looks set to take the world by storm. While hitting the market as a very different animal than the iPad, the Surface Tablet nonetheless is gunning for the same market and stands a very good chance.

That is of course, unless Apple's tactics pay off and most have already forgotten about their rival brands and their upcoming products launches, which is doubtful to say the least.

Learn about how the big guns of communication industry trying to baffle each other out with their mobile phones, tablets and pads. See how Google vows to give a tough time to big names like Microsoft and Apple. With so many competitors in mobile phones and Tablet PC industry, it is quite interesting to see how things turn out to be.

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Tips in Selecting the Best Mobile Plan

The best mobile plan to buy is the one that actually meets most of your needs without costing too much. Usually, your phone usage serves as your guide into selecting the right plan. However, the multi-featured smartphones now available in the market and the variety of cellular plans can be confusing even to those most familiar with these services. The following tips should guide you when buying a new phone plan for your mobile or a plan with a handset bundled in.

Choose Your Plan Based on Its Features, and Not the Phone Brand

The phone's brand and its multi-functional features aren't as important to consumers as customer service and network reliability. These are two of the biggest factors that influence a buyer's choice of the best mobile plan. The best way to see which of the plans offer the best value in terms of call and text rates as well as data service is to compare them side by side. Find a blog or a review site that allows their readers to select two or three phone plans for a quick comparison.

Check the Plan's Coverage Area

Your mobile phone plan may not be configured for global roaming or the plan could be limited to selected regions. To avoid mistakes in coverage information, you should ask the store representative the cities or regions your cellphone plan has access to and whether it has international coverage or not. Otherwise, you might finds yourself in need of a new phone plan once you go outside of the region you live in or when you travel abroad for either business or leisure.

Think About the Frequency of Your Calls or Whether You Like to Surf the Web

Your phone usage is generally your compass to the type of mobile plan that best suits you. If you often call friends and family living or working abroad, then you'll have to ask for a phone plan that offers discounted promo rates for international calls during off-peak hours. How about your propensity for surfing the Internet while riding the bus or when you're on vacation? Aside from checking for low call rates, you should also see if you can get a data plan integrated into your capped mobile plan.

Consider Getting a Prepaid Plan Rather Than a Capped Mobile Plan

The best mobile plan for people who rarely use their phones is a prepaid plan. Prepaid mobile is now available in most countries, including Australia. Unlike a capped plan, a prepaid one doesn't lock users into a year-long contract or a 24-month period. It doesn't force users to renew the same plan each month until the cost of the phone and the mobile services for the whole contract period has been paid. The best part of all is the joy of never seeing another monthly bill from your mobile carrier.

With nearly seven years of writing experience behind him, Richard Taylor has worked with industrial experts in the mobile phone industry. Mr. Taylor knows the best mobile plan is the one that meets the user's expectations most satisfactorily. If you want to know more, check http://www.comparemobileplans.com.au/ site reviews on the current capped and prepaid mobile phone plans in Australia.

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Pay According To Your Usage With Cheap Prepaid Mobile Phones

With rapid advancements in the telecommunications sector, many people are now relying on mobile technology in order to stay into contact with one another. Considering this, several mobile devices have been introduced that offer you a far better communication system without any extra and hidden charges.

Why Choose Prepaid Mobiles?
Now days, many people are opting for a cheap prepaid mobile because they no longer want to get into the hassle of paying huge unexpected monthly bills. Therefore, prepaid cell phones are the best option if you want to make an International Call and at the same time save your money.

The best advantage of using a prepaid plan is that you will only be charged according to your usage which is far better than paying for a monthly fixed rate. This is because at times your usage is far less than what you would be required to pay in the form of a fixed rate. Therefore, subscribing for a plan is only a good choice for those who need to make international calls very frequently and it only benefits them if they find a plan that meets their usage requirements.

How to Purchase a Prepaid Mobile Phone?
Once you get to know about the benefits of using prepaid mobile you would definitely be interested in getting one for yourself. In order to get a cheap prepaid mobile you can simply visit any mobile phone shop or you can even purchase it over the Internet through online mobile shops. In the latter case, you will be able to see a variety of mobiles with different designs, features and models. You can compare various offers and thus, make a better choice.

Freedom to Use Different Service Providers
After you have purchased your cheap prepaid mobile you will be amazed to know that you can use various different service providers that can give you the best services. On the other hand, if you are using a plan subscription you will be restricted to use only those services that your services provider offers. You will not be able to avail the great discount packages that are offered from time to time and your mobile device will be restricted to only one network.

Therefore, if you want to enjoy flexibility in services and cheap rates for making international calls you must be able to switch from one service provider to another so that you can maximize your savings and enjoy all the upcoming freebies. Your Prepaid Mobile phone will allow you to decide which service provider is offering the best calling rates according to your customized needs. Therefore, it is only possible through prepaid mobile that you can pay according to your usage.

For more information regarding International Call and Prepaid Mobile visit our site http://www.gotalk.com.au/

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How Would NFC And Mobile Wallet Technology Benefit Us?

There is a significant role of NFC and mobile wallet technology in mobile payment market. Let's discuss how adoption of this technology will benefit us and what the future will hold for us.

There are many players in mobile payment market who have different perspectives but do acknowledge that long term viability is possible through creating alliances and partnerships. The future holds bright for the mobile payment technology as we are going to see the replacement of cards by mobile phones sooner than expected.

But if there are questions of how and who would the technology benefit the most, the top five beneficiaries of the technology would be mobile operators, banks, technology companies, consumers and merchants, amongst them the consumers would top the list. They will generally benefit because the technology provides them ease and convenience to pay for and save on the products they want. Next the merchants who get more ways to offer coupons and loyalty programs to customers.

Following are the ways how NFC and mobile wallet technology would benefit us:

By bridging the gap between online and offline commerce

Through Smartphones, NFC and mobile wallet technology also bridge the gap between offline and online commerce and allow merchants to offer coupons and loyalty programs saving money as well as time. The technology enhances the physical store front with tailored digital experiences for both the worlds.

By reducing fraud

NFC technology facilitates secure contactless payments and can reduce fraudulent financial activities significantly. This is because the consumers NFC payments take place on chip level and PIN network as normal credit and debit card transactions. There is a payment limit on single transactions also.

By enhancing user's experience

Enhanced services such as paying bills, purchasing products, and transferring money through a mobile device that make consumer's lives easier and more convenient, always adds value and benefit to their experience, saving users both time and money. Mobile wallets, for example, enable consumers to control of their financial situation and minimize the risks and uncertainties of handling money, motivating them to utilize an operator's mobile service.

By motivating consumers discover the convenience of technology

Since the world of mobile commerce is evolving there is a big subscriber base, operators can reach new customers and motivate more consumers to discover the convenience of mobile payment solutions and increase the customer relationship. Next the operators can offer services that customers want to use on a regular basis.

Additionally, this technology has also pleased leading Smartphone manufacturers such as Apple and BlackBerry. Mobile phone manufacturers are also likely to enhance the capability of platforms and OS of mobile handsets in a significant way.

Next generation mWallet products are uniquely positioned in the market to assure the merchants, operators and financial institutions to offer their customers the convenience and benefits of the NFC and mobile wallet technology.

Shashi K Singh is a social media manager with vast experience, now working for Next Generation mWallet products and services provider, an emerging leader in the space of mobile financial services & mobile wallet Payment Solutions.

Click here http://www.xpwallet.com/AboutUs.html for details for Next Generation mWallet products and services.

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Finding The Best Mobile Phone Plans For You

It's easy to find anything and everything you need online, especially when you know where to look. People who look for specific items or services will be able to find exactly what they need on comparison sites, which are specialized websites that list down in detail the prices for items pulled up during search results. The beauty of these sites is that they allow searchers to customize or filter their search parameters so that they only pull up the search results they want.

Mobile phone plans are examples of those items people constantly search for online. With everybody on the planet owning a cell phone with varying degrees of usage, it cannot be helped that their bills go high up than what they're prepared to pay and as such, try their best to find mobile phone plans that will suit their needs but won't cost them too much. At the same time, they would also like to get the best possible phones to come with those plans but in the case of prepaid phone plans, only few come with really good phones and most allow you to buy your own phones.

To get the best mobile phone plans can be tricky but not when you know exactly what you want. Take the time to review your list of potential plans as thoroughly as possible to make sure they clearly indicate how much you will be paying every month, how much credit you will be getting (assuming you are looking at prepaid plans), if there are any extra charges for services like voice mail, calls overseas or text messages overseas. When you do your search for mobile phone plans on comparison sites, you will be able to search by contract length if you don't want to be tied to a lengthy contract and if you want to search for cheap rates, you can also do so by filtering your search parameters according to price per month.

Also, these comparison sites have details about the kind of phone that goes with each plan or have options to view the plans that go with each phone. When you click on the plans they turn up the names of providers and the plan inclusions so you already have the information you need to know. For any further questions you may have, the sites have a direct link to the provider or a toll-free contact number you can call about the plan details.

Sometimes, to get the best mobile phone deals, you can always call your current provider and ask for better packages. If you're a loyal, long-time customer, you may even get freebies or special extras like one year free voice mail services or price discounts as part of their retention plan.

Whatever you do, before signing up for any new contracts, make sure you read the fine print and ask all the necessary questions. Make sure that the return policies are clear as well in case you need to return your phone because it is faulty or if the network coverage is not up to par. You must learn to protect your rights as a consumer even if you feel you are getting a good deal.

To see how mobile phone plans compare, check out http://www.comparemobileplans.com.au/ and get the best plans for you that will be well worth your money.

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How To Choose The Best Mobile Wallet Solution Provider

Choosing the right mobile wallet solution for your business is challenging. There are quite a lot of payment solution providers in the world who promise to offer the quality services at an affordable rate. So how do you choose the best mobile wallet solution provider for your business? How do you know which provider is reputable and which one is questionable?

Choosing a provider to process your mobile payments is one of the most important decisions you will make as a business owner. In case you choose a wrong service provider and pay high rates and fees, you probably will receive low quality service and be stuck with a payment solution that does not fulfill your business requirements. So choose the right provider and obtain a competitive advantage.

It is important to remember that choosing a payment solution provider is a key decision as it affects your business revenue growth. The checklist below will enable you put the right questions before your service provider and make well-informed decisions.

Choosing a mobile wallet solution provider checklist:

# 1. Ensure your POS terminal or mobile payment application conforms to PCI DSS compliance standards

# 2. Ensure your mobile wallet solution provider provide professional customer service

# 3. Ensure your mobile wallet solution provider can provide professional technical support

# 4. Choose a provider that provides products with easy-to-use payment-processing services

# 5. Choose a provider that provides the highest security for their mobile payment applications and processing payments

# 6. Beware of hidden costs and ensure your mobile wallet solution provider disclose all fees in writing

# 7. Flexibility and security are essential, so ensure that the mobile payment applications you are considering offer both

Some other points to remember:

• Is personal data held in safe hands? After the customer's data is processed it should be encrypted.

• Can the customer disable the device or payment application if it is lost or stolen so that unauthorized payment processing can be prevented?

• Also ensure regular transaction activity is monitored because the normal transaction activity is directly prone to suspicious activity.

Once you have completed your upfront research and formalities, ensuring their solutions meet your requirements, you should look forward to negotiating and finalizing a deal.

As the mobile phone applications market is ever-changing where practices are continually being revised. Featuring in the most current news is the best way to make sure your mobile payment services are widely available and prominent.

Finally, when searching for the best mobile wallet solution provider you can use your favorite search engine to lookup.

Shashi K Singh is a social media manager with vast experience, now working for xpWallet - Next Generation mWallet products and services provider, an emerging leader in the space of mobile financial services & mobile wallet Payment Solutions.

Click here for details for Next Generation mWallet solution provider.

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Mobile Wallet Expanding Digital Payment Experience

The way we pay for our purchases has evolved time and again. Earlier we would pay through cash or check, then the credit and debit card emerged as the most preferred payment options. Now, the world is witnessing another advanced wireless technology in the form of digital payments. The Mobile Wallet also called the Digital Wallet is an application in mobile devices which allows consumers to make payments via wireless technology, without cash or a credit or debit card.

Mobile wallets have been around us for a long time, and the ubiquitous technology also has its acceptance in several different parts of the world. Though, it is yet to be adopted by the entire world. Here are some ways how a mobile wallet is expanding the digital experience of the consumers:

- To use mobile phone as a payment system

- To store all of the plastic money inside a mobile phone

- To store numerous loyalty cards in the mobile phone

It is remarkable that the mobile wallet users are getting the absolute convenience through the mobile wallet, but security is the main fear that compels them to doubt for a while if they should fully rely upon it for all their financial transactions. There is no denying the fact that the service providers must assure their customers a strong sense of security, and then only there will be a wide acceptance by the mobile communication world.

Another significant thing is that using a mobile phone as a mobile wallet is arguably much safer than carrying a leather wallet. With security features like remote locking, data encryption, memory protection and passwords keeping information are quite safe on the mobile device.

However, the other side of this mobile phone technology cannot be ignored. Though, it is advance, modern and based on the latest technology, users still have to follow the same old traditional approach to cancel their card if they lost their phone.

In conclusion, the latest advancement in mobile phone technology has the immense potential to end the era of the leather wallet, allowing users to have almost every card or money that they would ever need in the palm of their hand.

Next generation mWallet has everything to ensure an enhanced and comprehensive digital experience and replace your leather wallet with a mobile wallet. Next generation mWallet has designed its products not only to bring more customers on board, but also to make them feel valued with the services provided.

However, it is yet to be seen how the world adopts the digital payment experience and which mobile wallet delivers the best digital experience.

Shashi K Singh is a social media manager with vast experience, now working for xpWallet - Next Generation mWallet products and services provider, an emerging leader in the space of mobile financial services and mobile wallet Payment Solutions.

Click here for details for Next Generation mWallet products and services.

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Mobile Phones Revolutionized Our Society

When it comes to finding that one item that we would not be able to live without in our society, then a mobile is the first thing that comes to mind. Mobiles are not only a convenient option to have but it is also a great option to have if there is not someone in the household at home most of the time. These phones are great at keeping in touch with friends and family as well as keeping in touch with the office at all times. This could be a convenient way to make sure that your bosses will always be able to get in touch with you.

Mobiles Are Our Future

When it comes to keeping up with the times purchasing a mobile phone is a great option to consider. Not only will you be able to get different features that are not found in home phones but you will get the portability that most individuals around the world are looking for. Our society today has become a mobile environment where people are always looking for the hottest and newest piece of technology that would allow them to take their lives with them on the road. This is a key reason why the mobile phone is such a big aspect in our lives today and will continue to be such a big aspect of our lives in the future.

The Many Benefits of Using a Mobile Phone

When it comes to using a mobile phone the benefits that you receive from these phones outweigh the price of the item. One of the main benefits that you will receive when you purchase a mobile phone is the portability. You will always be able to use your phone unless you get out of range of reception that the phone has. Another benefit of using a mobile phone is that it offers you more benefits than a home phone offers. Some of these benefits, especially with the "smart" phones, include getting your emails and being able to check the internet at any time. These are just a couple of the many benefits that you will be able to receive when you purchase a mobile phone.

Find the Phone That You Can Afford

When you are looking for the perfect mobile phone for you then you would want to make sure that it fits into your budget. By setting a budget you will be able to make sure that you can afford monthly use of the mobile phone. Some phones have monthly plans while others offer pay as you go plans. Both can be cost-effective depending on how you use the plan.

When you are looking at different mobile phones you would want to look for one that features all the different benefits that you would need to have in a phone. Different phones have different features and benefits so it is wise to look at a few different phones before you choose the perfect one that would work best for you and your needs.

Mobile phones are such a big aspect in our society today that it is hard to think about a world without them. With all of the different features and benefits that come from these phones finding the right one for you would be the best way to go.

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Essential Components of a Mobile Device Management System

Deciding that a system is needed to manage corporate mobile devices is easy. Finding the best mobile device management system is not, unless the business representative knows what to look for when comparison-shopping. With so many different systems available, it is easy to make the wrong choice when lacking experience in this area. To make the investment a worthwhile one, learn about the many factors to consider when shopping for a new mobile management system.

Systemizing the Procurement Process

A good mobile management system begins by streamlining the procurement process. Users see the hardware available to them, which maintains a consistent asset base within the company. A streamlined ordering process quickly puts the right mobile devices into the hands of users. The program administrator specifies the sources of hardware and the steps in the approval process. This process is then automated and can accommodate internal procedures like purchase order tracking.

Managing relationships with multiple providers and carriers should be simplified by using this system. The administrator should have the ability to control and process fulfillment of orders and the relevant information should be maintained by the system for later review and assessment. Bottlenecks are prevented when the system features a point-and-click process for device and plan approval. A good system should be able to provide fulfillment services from various vendors for the majority of mobile carriers.

Expense Management and Analytics

The desire to manage expenses is one of the main reasons that companies begin using one of these systems. Expense management is made simpler when data is centrally located, resulting in one place to access all communication costs for all accounts, locations, and carriers. This simplifies both tasks, like knowing when contracts are coming due and strategic tasks such as forecasting and budgeting. Data should also be segregated to align with the goals of the business, making it easier for users to identify shortfalls.

Identifying opportunities for mobile communication savings is easier when information workers are able to recognize changes in usage patterns. Through alerts, a system can notify the administrator of user changes, helping to optimize communication expenses. Information workers can use this information to make changes to devices or plans for calling or data. By customizing cost allocations for future users, businesses can ensure the most effective mobile device spending for each worker.

Managing the Mobile Lifecycle

Device management responsibilities do not end when the devices are distributed. Everyone within the organization should take responsibility for the mobile device budget. A system with an employee portal makes this possible. Device users can quickly see their usage and related costs, making them more aware of how their actions affect the corporate bottom line.

The cost and sophistication of mobile devices has made it more important for a mobile device management system to focus on lifecycle management. The system should enable information workers to follow the lifecycle of each mobile device from acquisition to replacement. This enables more accurate forecasting of hardware costs, improved efficiencies in timelines, and the ability to take advantage of new mobile technologies.

A mobile device management system can and will help improve the effectiveness of your mobile devices. If you are unsure of how to select programming or would like help in getting your mobile device management organized, contact Tele-Watch.com. For more information and available services, please visit our website today.

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Security At Priority In NFC Mobile Payments

Near Filed Communication or NFC technology is a radio-communication protocol. It allows mobile phone users to make payments directly at very short-range. The payment is made by doing nothing more than just bringing the NFC-enabled devices in close proximity.

As with the technological advancements, the security concern is also born for handling sensitive information. Though, NFC enables the devices to exchange data significantly faster than Bluetooth and is also considered secure because of its short-range capability, yet we cannot ignore the risks how some people try to exploit the technology for their own gains. That is why it becomes important for the technologists to assure the consumers that the information they provide while using the technology is in safe hands. The consumers also need to make sure that it is worth taking the security risks above the convenience of making payments through NFC.

According to reports, Apple is holding its decision to integrate NFC in mobile payments due to security concern. Apple is playing safe game and wants to watch other mobile manufacturers perform research and test on NFC for secure payments via mobile phones.

In fact, it's not just Apple who has ignored NFC technology, many big retailers also have made it clear that they are not in a hurry to adopt the technology. The biggest retail store Walmart has announced that it is not interested in sharing consumer transaction data with any other partner.

MasterCard's PayPass, a contactless mobile payment solution for Smartphones and other mobile applications, is another alternative of mobile payments which also is inhibiting NFC mobile payments adoption.

Although, many people are disappointed about Apple's decision to ignore NFC mobile payments, but there are many other NFC trials underway around the world. As for example, The Commonwealth Bank which has recently launched its own NFC-enabled iPhone case to work with its Kaching mobile banking and payments application.

As every new technology has some issues that don't let it become mainstream in the industry, it becomes important for the technology to resolve all these issues. In case of NFC mobile payments, NFC does have factors like speed, security and increasing adoptions that deliver a great user experience to the consumer. This is the reason why it has a bright future to be an attractive alternative to traditional transaction methods.

To see the most secure NFC mobile payments infrastructure, check out the products of next generation mWallet.

Shashi K Singh is a social media manager with vast experience, now working for Next Generation mWallet products and services provider, an emerging leader in the space of mobile financial services & mobile wallet Payment Solutions.

Click here http://www.xpwallet.com/asp/EnterpriseSuite.asp for details for Next Generation mWallet NFC Payment Solution.

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