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Table Of Contents

1 Introduction
1.1 Statement of Objectives
1.2 Structure of the Study
2 The Concept of Mobile Commerce
2.1 The Conceptual Background and Perspective
2.1.1 Defining Electronic Business and Electronic Commerce
2.1.2 Defining Mobile Business and Mobile Commerce
2.1.3 The Mobile Commerce Perspective
2.2 The Features of Mobile Commerce
3 The Regulatory Framework of Mobile Commerce
3.1 Regulations on Legal Enforceability of Contracts
3.2 Regulations on Consumer- and Data Protection
3.3 Categories excluded from Mobile Commerce
4 The Technological Framework of Mobile Commerce
4.1 Technologies for Mobile Data Transmission
4.1.1 The First Generation (1G)
4.1.2 The Second Generation (2G) Global System for Mobile Communication (GSM) High Speed Circuit Switched Data (HSCSD)
4.1.3 The 2.5 Generation (2.5G) General Packet Radio Service (GPRS) Enhanced Data-rates for Global Evolution (EDGE)
4.1.4 The Third Generation (3G)
4.2 Complementary Technologies of Data Transmission
4.2.1 Wireless Local Area Network (WLAN)
4.2.2 Bluetooth
4.3 Display and Programming Standards
4.3.1 Wireless Application Protocol (WAP)
4.3.2 i-mode
4.4 Future-Scenario: The fourth Generation (4G)
5 Mobile Applications & Methods of Payment
5.1 Overview of Mobile Applications
5.2 Payment Mechanisms for Utilising Mobile Services
6 Mobile Commerce in Banking Sector
6.1 Definitions and Scope Issues
6.1.1 Scope of Banking Business
6.1.2 Scope of Financial Services
6.1.3 Scope of Mobile Banking
6.2 Services Offered in Mobile Banking
6.2.1 Mobile Accounting
Table 2: Services in Mobile Accounting Account Operation Account Administration
Research Issue 2: Issues related to Mobile Accounting
6.2.2 Mobile Brokerage
Table 3: Services in Mobile Brokerage Account Operation
Research Issue 3: Issues related to Mobile Brokerage Account Administration
6.2.3 Mobile Financial Information Account Information Market Information
Research Issue 4: Issues related to Mobile Financial Information
7 Mobile Banking Offers & Employed Mediums
Research Issue 5: Propagation of Mobile Banking by banks
7.1 Browser-based Applications
7.1.1 WAP Banking
Table 5: WAP services for Mobile Accounting
Table 6: WAP services for Mobile Brokerage
7.1.2 i-mode Banking
Table 8: i-mode services for Mobile Accounting
Table 9: i-mode services for Mobile Brokerage
Table 10: i-mode services for Mobile Financial Information
7.1.3 Web-based Mobile Banking (PDA Banking)
Research Issue 6: Prospects of web-based Mobile Banking
7.2 Messaging-based Applications
7.2.1 SMS Banking
7.2.2 MMS Banking
Table 14: Messaging-based brokerage services
Research Issue 7: Suitability of SMS for transaction services
7.3 Client-based Applications
Research Issue 8: Issues related to client-based solutions
7.3.1 SIM Toolkit (STK)
Research Issue 9: Reasons for lukewarm response to STK
7.3.2 JAVA-based Mobile Banking Clients
8 Utility of Mobile Banking for Banks
8.1 The Outset of Banking Environment
8.1.1 Intensified Competition in Banking Sector
8.1.2 Adapting to Requirements of Core Target Groups
8.2 Mobile Banking as Distribution Channel
8.2.1 Increasing Sales Volume
8.2.2 Reducing costs of distribution
8.2.3 Increasing customer satisfaction
8.3 Mobile Banking as Source of Revenue
8.4 Mobile Banking as Business Model
8.5 Mobile Banking as Image Product
Research Issue 10: Utility of mobile services for banks
9 Empirical Research on the Viability of Mobile Banking
9.1 Customer Acceptance of Mobile Banking
9.1.1 Methodology of the survey
9.1.2 Composition of Survey Participants
Chart 1: Overview of survey participants’ professions
Chart 3: Penetrance of PDAs across professions
Chart 4: Usage of Online Banking across professions
Table 20: Probability of more than one bank account across groups
Chart 5: Bank preferences across age-groups
Chart 6: Existing Mobile Banking users across professions
9.1.3 Customer Perception of Mobile Banking Advantages of Mobile Banking
Preferred Mobile Banking applications Preferred medium for availing mobile services
Chart 11: Popularity of mediums of Mobile Banking
Chart 12: Preferred medium of Mobile Banking across age-groups Importance of (affordable) Mobile Banking
9.1.4 Customer Response to Service Offers Services in Mobile Accounting
Chart 15: Acceptance of Mobile Remittance
Chart 17: Acceptance of card management amongst admirers
Table 21: Ranking of Mobile Accounting services Services in Mobile Brokerage
Chart 18: Willingness to pay for Mobile Brokerage transactions
Table 22: Ranking of Mobile Brokerage services by all participants
Table 23: Ranking of Mobile Brokerage services by admirers Services in Mobile Financial Information
Chart 19: Support for account and balance enquiries
Chart 20: Willingness to pay for account enquiries
Willingness to pay for account enquiries
Chart 21: Utility of stock market reports for Mobile Brokerage Admirers
Table 24: Ranking of Mobile Financial Information services Monthly Fee and Advertisements
Chart 22: Preferences level of monthly fee supporters
9.1.5 Influence of Ignorance
Chart 23: Popularity of Mobile Banking amongst opponents
9.1.6 Identifying Significant Attributes
9.1.7 Comparison with Other Empirical Surveys University of Hamburg Study from Year 2001
Table 25: Comparison between 2001 and 2005 results Meridea Study from Year 2003
Table 26: Comparison between Meridea and Uni Hamburg surveys
Table 27: Comparison of user perception of disadvantages
9.2 The Banks’ perspective
9.2.1 Methodology of the survey
9.2.2 Composition of survey participants
Chart 24: Composition of the surveyed banks
Chart 25: An overview of current offers of Mobile Banking Mobile Financial Information
9.2.4 Mediums of Mobile Banking
Chart 26: Mediums of Mobile Banking employed by banks
Mediums of Mobile Banking
9.2.5 Objectives Pursued by Mobile Banking Offers
Table 29: Average rating of objectives pursued by banks
Chart 27: Target customer groups in banks’ perspective
9.2.6 General Issues relating to Mobile Banking
Chart 28: Reasons for passive Mobile Banking activities
Chart 29: Reasons for domination of information services
9.2.7 Arguments against Mobile Banking
Table 31: Evaluation of theses about Mobile Banking
10 Strategic Assessment of Survey Results
10.1 Relevance of Mobile Banking
10.1.1 Significant customer interest
10.1.2 Potential advantages of offering mobile services
10.1.3 Potential disadvantage of ignoring Mobile Banking
10.1.4 Issues of image & competition
10.2 Appropriate scope of Mobile Banking
10.2.1 Need for a clear business focus
10.2.2 Concentration on right customer groups
11 Conclusions and Outlook
Table 35: Credit institutions with minimum reserve obligation to ECB
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Published by: rathsara2000 on Sep 26, 2010
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