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This document reveals the usage of mobile applications in different sectors and tells about the scope of the mobile applications in various sectors. In this article, how the mobile applications are used in banking, retails and RFIDs. Mobile applications help people in connecting to the services in real time, anywhere, anytime. Mobiles can be seen in the pockets of the each and every person in this world. It is one of the good revolutions which made the human being's life easier and the development in the mobiles had taken the revolution of mobiles to the next step. In this paper, we will discuss about the mobile applications through which banking, RFID and Retail shopping are done. Mobile banking helps the people in accessing their bank details and account information through their mobiles itself. RFIDs are used to find objects, clothes, instruments. The RFIDS store the information of the objects and locates the objects. The new mobile technologies in RFIDs help the people in finding the objects and all more easily. The mobile applications are also used in retail shopping to make the shopping more interesting and easier to the customers. They can easily search the items they want through this mobile shopping. Though the mobile technologies are not playing a major role in retail shopping, the future shopping will be done with the help of mobile technologies and applications.
In the last few years, mobile technologies grabbed a huge attention from the people as well as organisations. The organisations in order to survive in the competitive world are thriving to implement new types of business process and mobile business is one such revolutionary approach to customers because the users can access and connect to the things and needs they need through these mobile technologies and applications. The worldwide economic slump in latest years has forced severe consumer savings and even if the economy shows huge signs of improvement, the tight economic spending on fresh mobile applications and services will be expected from the business segment. Banks are introducing the mobile banking to attract the customers and retain their old customers for long time. Through this mobile banking, the customers can access their accounts; make transactions through their mobiles wherever they may be. These mobile applications are real time and can be accessed from anywhere. To make the RFIDs accessible through internet, the RFID reader chip is integrated in to the mobiles. These mobiles will be able to communicate with other tagged devices which can provide necessary services. The retail shopping through mobiles will help the customers in having the right information of the items, create and store shopping lists and to scan the product bar codes so that they can compare product characteristics.
Mobile Banking is bringing a lot of changes in the banking sector and helping the customers in making their work easy. The customers are now using this mobile banking as it is a real time operator, time-saving and anytime, anywhere access. They can access their accounts, balance information, transactions, direct debits and all other features through this mobile banking without going to the banks or making phones to the bank officers and having a long time conversation with them. In some parts of the world, mobile banking is already blooming. The percentage of the mobile transactions is increasing day by day. In south Korea, it increased by 104% in 2005 and the number of users by 108%. These developments indicate the growth of mobile banking. The younger generations who are much familiar with the mobiles and who can use these mobiles with an ease is one of the reasons for the development of mobile banking. The data transaction through the mobiles has also become more powerful with some new standards like Universal Mobile telecommunications limited. Bank products are of irrelevant character sold more and more with the help of computer networks straddling across the world [Mustafa, N. , A. Oberweis and T. Schnurr, 2002].
The mobile applications use XHTML which is a successor of HTML, developed to address the necessity to send content to devices other than desktop computers. The requirements for mobile banking are a browser or standalone application and a more advanced Smartphone to run it. These Smartphone's are like real PC's with a particular Operating System and sophisticated functionality, such as enhanced data processing and connectivity. Apple's i-phone is a good example for such phones which has functions that make advanced mobile banking possible. The two approaches for setting the mobile banking are
Wireless Application Protocol(WAP)
With the help of WAP, the internet pages can be accessed from a mobile phone as it includes the concepts of browsers, servers, gateways and URL's. Though is makes the mobile banking more attractive, it has some disadvantages as well.
This type of smart phones is only 10 percent in use.
Mobile phones do not have anti-virus and firewall protection compared to PCs.
There will not be two-way communication. Banks cannot respond to the customers.
Standalone Mobile Application
Most of the banks are providing a downloadable client through which the mobile subscribers can access the bank services. Through these mobile applications, the users can conduct complex transactions. These will also help the banks to customize the interface and sort it accordingly. There are some issues in this solution even though it is considered as the future of mobile banking. First of all, the users must download, install and learn the proprietary application and also the application must be customized to each and every mobile phone on which it will reside. These Standalone applications are also exposed to viruses. Bank of America and Citibank are two such banks which provide mobile banking to the customers. Bank of America provides mobile banking to the customers through Wireless application protocol whereas Citibank provides through application-based approach to mobile banking offering.
ADVANTAGES OF MOBILE BANKING:
The biggest advantage of Mobile Banking is it offers banks to drastically cut down the costs of providing service to the customers.
It is a real time application, anytime and anywhere accessible.
This mobile banking attracts new customers and helps in retaining old ones.
We think that the banks must not only concentrate on the services provided to the customers but also make sure that the customers are accessing their accounts with security. If we can see, in the above technologies, the applications are failing to provide security to the customers and their accounts may be subjected to attacks. So, the banks must introduce their mobile banking applications which are secure and provide firewalls to the customers.
The RFID reader chips are integrated into the mobile phones so that the mobile phones can behave as RFID readers. These MRFIDs can easily recognise themselves and also access information from other RFID tags. They can communicate with the other devices as well which provide necessary services. The RFID technology can be brought much closer to the customers through the mobiles. The major responsibilities of RFIDs are to download and access the information represented by RFID tags. For example, if you want information on bus routes then these MRFIDs scan RFID tagged buses and if you want information regarding smart shopping, then these MRFIDs scan RFID tagged merchandise. We can also authenticate ourselves to use a certain facility or service. We can do payments with the help of these MRFIDs at bus stations, gas stations etc. There are three application zones of Mobile RFIDs. They are LBS zone, Enterprise zone, Private Zone.
In LBS zone, there will be lots of tags in which some may be cloned fake tags. All the RFID tags will respond to these MRFIDs. In order to provide security to the MRFIDs, Tag access passwords must be given. Locking the tag is another way of maintaining security in which only the users who have the key to open the tag will be able to use it.
In enterprise zone, there will not be interaction with all the RFID tags. The companies must know the real identity of the user for security. A mutual authentication should be there between the RFID tag and the mobile phone.
In private zone, the authoriser will be able to scan the RFID tagged items inside a house. There should be mutual authentication between the RFID tag and Mobile. The home will have easy GUI-based security setup. This is a trusted third party's secure web service.
MOBILE RETAIL SHOPPING:
The mobile retail shopping helps the retail stores to explore in multiple ways through which the shopping for the customers can be developed with a mobile component. Most of the retail stores are very huge and complex environments which have developed gradually. The change in people's mindset to do the self service which also involved to learn how to find their way out. The customers can use their mobiles at several points in the retail shops to make their work easy. They can create and store their shopping lists through the mobiles. The customers can use different mobile applications that will enable them to have better off interactions. The applications are helpful to customers at different points like extended packaging, coupons, loyalty, advertising & promotions, payment, self-scanning& self-checkout, store location, in-store navigation, shopping lists, Mobile ecommerce. The advertisings and promotions can be sent directly to the mobiles. Mobile phones can substitute physical loyalty cards and provide personalised mobile services. The customers can make payment through mobile phones anywhere, anytime including at retail checkouts. GS1 plays a major role in providing standards to the most of the services above.
The consumer can plan their future shopping via mobile phone. They can easily add items to their shopping list by scanning bar codes on products and even they can share their shopping list with other family members. They can get special offers on products to their mobiles before going into the stores. They can get additional information of the items. The consumers can self-scan the products they would like to buy at the shelf itself. Using extended packaging, they can get more information about products which is personalized. The customers can self-checkout, redeem coupons and promotions, pay etc using their mobiles. However, these services are provided at local level. the customers want to see the GS1 MobileCom technology available to all.
According to our opinion, these applications must not be limited to some products but must be provided to all the products. More strong and more advanced services must be provided to the customers through the mobiles. The retail stores authorities must also be able to provide secure ways to access trusted product data. The authorities must also be able to provide loyalty schemes which are entirely integrated to mobile phones.
ADVANTAGES OF MOBILE APPLICATIONS:
Organisations will have more control over the user experience, with a wealthy user interface capability.
Even though there is no connection to the wireless network, mobile client applications have the ability to work.
Secure access is provided with applications.
If the device is lost, remote wipe-out of information is provided in most of the applications.