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The Mobile Shopping Revolution

mobile news — Tue, 19 Oct 2010 19:10:57 +0000

Lightspeed Research has announced the results of a new study showing that half of mobile users in the U.S. have made purchases from their mobile phone. “Phone apps or games were the most popular items purchased via mobile, music and ringtones coming a distant second and third.” The survey also includes survey data on mobile payment preference, cut by age and gender. The full survey results are available for download.

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Tags: mobile, mobile Pay, mobile payment, mobile phone, payment, phone

Monitise Unveils Global Mobile Money Technology Platform

mobile news — Sat, 16 Oct 2010 22:10:54 +0000

Monitise has announced its enhanced technology platform which “incorporates a range of mobile banking and payment services to deliver fast, secure financial management by mobile phone across the world. The platform enables financial institutions, mobile phone networks, service providers, payment companies and processors to offer a wide variety of Mobile Money services in both developed and emerging markets.” The platform offers the following products: * Monitise Mobile Wallet – setting up a virtual wallet on a mobile handset to enable mobile payments and commerce for people without bank accounts, and managing the associated agent networks * Monitise Mobile Payments and…

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Tags: mobile, mobile banking, mobile money, mobile Pay, mobile payment, Mobile Payments, mobile phone, payment, phone, Wallet

New Study on Mobile Payment Technologies and Strategies Published

mobile news — Mon, 23 Aug 2010 17:37:03 +0000

The market for NFC (Near Field Communication) mobile payments in the U.S. is in the nascent stage with an adoption rate of only 1.7%; this represents a huge opportunity for early movers offering the same. Adopting NFC mobile payment will open new revenue channels for banks as well as mobile operators as more than 94% of the U.S. population owns a mobile phone, and 60% of these have a card slot in their mobile phone. With the help of NFC technology, banks will be able to tap micro transactions made by cash, representing around 20% of the total transactions in the U.S. This will also help banks to capture the growing GEN Y population as well as the huge underbanked and unbanked population.

In 2009, the value of mobile payment transactions in the U.S. was $5.2 billion, constituting 6% of the global value of mobile payment transactions; this is expected to reach $56.7 in 2015, growing at a CAGR of 49.19%. The share of U.S in 2015 will reach approximately 10.6% of the global mobile payment transaction.”

Tags: mobile, mobile Pay, mobile payment, Mobile Payments, mobile phone, payment, phone

Affordable Pay as you Go Mobile Phones To always keep you going!!

mobile news — Wed, 14 Jul 2010 08:24:10 +0000

With Mobile phones becoming essential commodity in todays time. But the ever increasing mobile bills have added to agony of users. However, we now have a solution in terms of PAY as you mobile phones.

The pay as you go mobile phones come with plenty of benefits and options that give the users an opportunity to select appropriate mobile deals as per their specific needs. These handsets are a perfect idea for those who want to keep their eyes on the monthly expenses of their ever exceeding mobile bills.

With pay as you go mobile phones users can avail the freedom of using the talktime and other services in paying for them in advance. Hence having a controlled expenditure on mobile expenses.

Pay as You Go phones are available at an affordable rates. Unlike the contract deals, in Pay as You Go phones one need not pay heavy monthly bills. In Pay as You Go phones the user recharges its account according to its needs and then it automatically gets decremented with the use . These mobile phone deals are very much being appreciated by the teenagers, students, and the people who travel frequently. The main benefit of using these deals is that users have the freedom of switching to another network at any point of time if he or she is is facing a problems while availing the services of the present network provider.

Many Cheap Blackberry Pay as go phones are popular in the market with various lucrative deals and offers. The number of pay as you go mobile phones are increasing day by day. All you have to do is just get your phone with this scheme topped up by money or by top-up cards. The users are bounded to use the talktime in a particular period of time from 1 month to 3 months. However, in case the balance is finished, the user cannot make a call.

These schemes are also very popular with people having low income or who carry cell phones just to be connected. So if you are amongst one of them, then its your turn now to own a Pay as you go mobile phone as this scheme is the best suited for people who do not want spend their greens unnecessarily on hefty bills.

Pay as you go mobile phone deals are available with all the leading operators of UK such as Vodaphone, Virgin, O2, 3 etc who offer best options along with hard to resist free gift options.

Tags: BlackBerry, mobile, mobile phone, mobile phones, pay as you go, phone

Apparel Group Loyalty Program – UAE’s First Mobile Loyalty Program is based on Margento Solution

mobile news — Wed, 14 Jul 2010 08:21:22 +0000

Apparel Group Loyalty Program “Club Apparel” was launched few days ago in Dubai in cooperation with Imovation. Club Apparel is the first Mobile Loyalty Program in UAE and it’s based on globally patented Margento technology.
It enables local as well as international shoppers benefit from using their personal mobile phones to identify themselves at affiliated points of sale. Collecting and redeeming of points is done through a simple phone call. All transactions are quick and take very little effort, while still guaranteeing a high degree of security.

275 Apparel stores are part of the Club Apparel scheme and equipped with the Margento POS terminals. After successful launch, Apparel Club will role out to the group’s other stores across the Middle East.

Tags: apparel, loyalty, margento, mobile, mobile phone, mobile phones, phone

MOBIQPONS Launches Free Environment-friendly Mobile Coupons Application for Blackberry Storm

mobile news — Tue, 06 Apr 2010 10:01:15 +0000

MOBIQPONS Launches Free Environment-friendly Mobile Coupons Application for Blackberry Storm – MobiQpons announced the release and availability of its “Coupons for Shopping -MobiQpons” application for Blackberry Storm via Blackberry App World. This is in addition to its applications for iPhone and Android smart phones

MobiQpons Inc. today announced that its Mobile Coupons application “Coupons for Shopping -MobiQpons ” is now available for consumers to download from its website http://mobiqpons.com/

blackberry. The environment-friendly paper-less coupons application can also be downloaded directly from Blackberry App World. The company is planning on supporting all other versions of Blackberry smart phones by end of October 2009.

The application shows coupons / offers from stores within 10 miles of user’s current location as reported by GPS on their phone and displays the nearest stores first. User can easily scroll through the list of stores and coupons. The application allows users to personalize the offers for themselves – Users can mark stores as favorite, mark any store to never get any offers from that store etc. Users can tap on the coupon title to view the coupon image and details of the coupon. From coupon details page, user can either share the coupon with their friends via email directly from the application or view the coupon in full screen mode to see the coupon image.

As Holiday shopping season gets underway, Blackberry Storm users can immediately start saving money in thousands of store locations nationwide just by simply starting the application on their phone and showing the coupon to cashier directly from their mobile phone screen.

MobiQpons is the leader in Hyper-local Mobile Coupons and Mobile Advertising with applications already available for iPhone and Android phones. The iPhone application is currently amongst the top 50 free applications in Lifestyle category on iTunes store amongst over 75000 application.

MobiQpons offers pay for performance mobile advertising platform to local, regional and national retailers and services. Under current economic situation, as businesses carefully look out for results on their advertising dollars, MobiQpons allows business to pay only for results. Merchants can easily create, customize and distribute their mobile offers via MobiQpons website and pay only for results after a low initial setup fee. They also have a choice to pay a monthly subscription fee instead of a per redemption fee. MobiQpons also offers complete control to merchants to edit/update/remove the offer even after its been released along with rich analytics tools which gives merchant the insights into how their coupons / offers are performing .

Tags: android, application, BlackBerry, coupons, iphone, iphone app, iPhone Application, iTunes, mobile, Mobile Advertising, mobile coupons, mobile phone, MOBIQPONS, phone, Storm

Mobile Marketing Coupons Gain Popularity

mobile news — Tue, 06 Apr 2010 10:00:20 +0000

Mobile Marketing Coupons Gain Popularity – Tucked inside newspapers across the country this Sunday, SmartSource, the coupon insert, will tell readers in 68 million households how they can send a text message to get coupons sent to their mobile phones

Brooklyn Center-based Caribou Coffee used a mobile marketing couponing company called Cellfire to send coupons this year for its new Acacia Organic Blend and Northern Lite Latte.

“We looked at mobile marketing as a way for us to drive store traffic and gain trial for a new product launch,” marketing manager Jake Miller said. “If we can get trial, we know there is a good chance that guest will come back again.” He declined to give details on the results but said Caribou would use mobile marketing coupons again.

MixMobi, a Plymouth mobile marketing startup, is launching a technology platform that lets retailers build coupons that can be “tweeted” on the social media site Twitter, which appears on cell phones as well as computers.

MixMobi co-founder Lisa Foote is letting small marketing agencies experiment with the technology to work out the bugs before the launch. Sprout.mn in Minneapolis designed a coupon for the Seward Co-op advertising 50 cents off at the deli this weekend.

“I think the consumer definitely wants mobile couponing,” she said. “I think people are really hungry for deals, and more than 90 percent of Americans carry cell phones.”

To be sure, technologists have heralded mobile marketing coupons for several years with little effect.

But a sudden surge of interest by big- name retailers and packaged-goods companies, coupled with better technology, is creating buzz for the mobile marketing coupon this year.

Only 3 percent of consumers used a mobile marketing coupon in 2008, but more than half of them knew about them, Forrester Research, a technology consultancy, reported this year.

The recession has advanced coupon usage in all its forms, including online. Digital coupons were the fastest growing Web site category last November, with visitors to coupon sites up 32 percent over October 2008, said comScore Inc., another technology research company.

Put it all together, and advertisers see cell phones as 277 million tiny electronic billboards in every pocket or purse.

“It’s a big area of interest these days. I’ve been getting tons of calls about this,” said Evan Neufeld, a senior analyst for mobile communications for comScore Inc.

Mobile marketing coupons have become a buzzword inside the big packaged-goods companies, Neufeld said. “They all say they want a mobile strategy,” he said. These companies will insure consumers see more ads, he said.

The popularity of smart phones, with their larger, made-for-the-Web screens, is driving the trend, too. Coupons look better on bigger screens, marketers say.

Although smart phones like the Apple iPhone and RIM’s BlackBerry make up only 17 percent of all cell phones, handset makers are introducing a new breed of cheaper smart phones this year.

Cellfire Inc. in San Jose, Calif., which did the coupons for Caribou Coffee, said the cell phone has become the new shopping list. It does work for grocery chains like Krogers and Safeway.

“The phone is really starting to emerge as more of a lifestyle device instead of just a communications device,” said Dan Kihanya, vice president of consumer marketing.

SmartSource, published by News America Marketing, might be the largest test of the mobile marketing coupon yet.

SmartSource will instruct people to text the word “coupon” to a number. Once they agree to give up their e-mail address, they can select up to 13 coupons for brand names such as Huggies, Trident and Tyson on their phone browser. Those selections are sent to their e-mail and must be printed out, which is an additional step.

Tags: Apple, BlackBerry, coupons, digital coupons, iphone, mobile, mobile coupons, Mobile Marketing, Mobile Marketing Coupons, mobile phone, mobile phones, phone

Save Money with Mobile Coupons

mobile news — Tue, 06 Apr 2010 09:58:12 +0000

Save Money with Mobile Coupons – The new mobile coupon program can transform the average joe into a savvy shopper by saving time and money.

Looking for ways to save money during tight times, but don’t want to spend the time searching through the newspaper looking for coupons? Well you’re in luck… The future of coupons has arrived in an easy, organized application that can be downloaded straight from your Smartphone.

Target has announced the first ever scannable coupon program for mobile phones. The program will send coupons to your mobile device that can be scanned at checkout. The opt-in program will provide Target shoppers with a customized webpage on their mobile phones, with all offers scannable at checkout via a single barcode.

Target is the first to venture into the coupon program, but there will be many to follow. Coupons will benefit businesses and customers alike–promoting spending while saving money for consumers. In addition, the convenience and “Green” factor of digital coupons, particularly mobile coupons, make them especially appealing to consumers today.

Tags: application, coupons, digital coupons, mobile, mobile coupons, mobile phone, mobile phones, money save, phone

Gartner Reveals Five Social Software Predictions for 2010 and Beyond

mobile news — Tue, 30 Mar 2010 08:34:12 +0000

Gartner, Inc. has revealed its key predictions on the use of social software and collaboration in the enterprise. These predictions focus on offerings ranging from team collaboration to dynamic social networking applications that offer rich profiles and activity streams.

“A lot has happened in a year within the social software and collaboration space. The growing use of platforms such as Twitter and Facebook by business users has resulted in serious enterprise dialogue about procuring social software platforms for the business,” said Mark R. Gilbert, research vice president at Gartner and co-chair of the Portals, Content and Collaboration (PCC) Summit. “Success in social software and collaboration will be characterized by a concerted and collaborative effort between IT and the business.”

Gartner offers five key predictions for social software:

By 2014, social networking services will replace e-mail as the primary vehicle for interpersonal communications for 20 percent of business users.

Greater availability of social networking services both inside and outside the firewall, coupled with changing demographics and work styles will lead 20 percent of users to make a social network the hub of their business communications. During the next several years, most companies will be building out internal social networks and/or allowing business use of personal social network accounts. Social networking will prove to be more effective than e-mail for certain business activities such as status updates and expertise location.

“The rigid distinction between e-mail and social networks will erode. E-mail will take on many social attributes, such as contact brokering while social networks will develop richer e-mail capabilities,” said Matt Cain, research vice president at Gartner. “While e-mail is already almost fully penetrated in the corporate space, we expect to see steep growth rates for sales of premises- and cloud-based social networking services. “

Gartner recommends that organizations develop a long-term strategy for provisioning and consuming a rich set of collaboration and social software services, and develop policies governing the use of consumer services for business purposes. Companies should also solicit input from the business community on what collaboration tools would be most helpful.

By 2012, over 50 percent of enterprises will use activity streams that include microblogging, but stand-alone enterprise microblogging will have less than 5 percent penetration.

The huge popularity of the consumer-microblogging service Twitter, has led many organizations to look for an “enterprise Twitter,” that provides microblogging functionality with more control and security features to support internal use between employees. Enterprise users want to use microblogging for many of the same reasons that consumers do to share quick insights, to keep up with what colleagues are doing, to get quick answers to questions and so on.

“However, it will be very difficult for microblogging as a stand-alone function to achieve widespread adoption within the enterprise. Twitter’s scale is one of the reasons for its popularity,” said Jeffrey Mann, research vice president for Gartner. “When limited to a single enterprise, that same scale is unachievable, reducing the number of users who will find it valuable. Mainstream enterprises are unlikely to adopt standalone, single-purpose microblogging products.

Through 2012, over 70 percent of IT-dominated social media initiatives will fail.

When it comes to collaboration, IT organizations are accustomed to providing a technology platform (such as, e-mail, IM, Web conferencing) rather than delivering a social solution that targets specific business value. Through 2013, IT organizations will struggle with shifting from providing a platform to delivering a solution. This will result in over a 70 percent failure rate in IT-driven social media initiatives. Fifty percent of business-led social media initiatives will succeed, versus 20 percent of IT-driven initiatives.

Enterprises will need to develop entirely new skill sets around designing and delivering social media solutions. Until this happens, failure rates will remain high. A dearth of methods, technologies and tools will impede the design and delivery of social media solutions in the near term. But long term, enterprises will realize that social media is not a “hit or miss” activity naturally prone to high failure rates, and that a calculated approach to social media solution delivery must be an IT competency. At that point, post 2012, the social software market growth will accelerate as will the overall impact of social media on business and society.

Within five years, 70 percent of collaboration and communications applications designed on PCs will be modeled after user experience lessons from smartphone collaboration applications.

As we move toward three billion phones in the world serving the main purpose of providing communications and collaboration anytime anywhere, Gartner expects more end users to spend significant time experiencing the collaborative tools on these devices. For some of the world, these will be the first or the only applications they use. The experience with these tools for all who use them will enable the user to handle far more conversations within a given amount of time than their PCs simply because they are easier to use. Just as the iPhone impacted user interface design on the desktop, the lessons in the mobile phone collaboration space will dramatically affect PC applications, many of which are derivatives of decades-old platforms based on the PBX or other older collaboration paradigm.

“IT organizations should continue to procure leading-edge smartphones for testing and to accumulate knowledge on how the collaboration applications on such devices accomplish business tasks,” said Ken Dulaney, vice president and distinguished analyst at Gartner. “As more organizations consider replacing deskphones with cell phones, they may wish to anchor their collaboration tools also on the cell phone.”

Through 2015, only 25 percent of enterprises will routinely utilize social network analysis to improve performance and productivity.

Social network analysis is a useful methodology for examining the interaction patterns and information flows that occur among the people and groups in an organization, as well as among business partners and customers. However, when surveys are used for data collection, users may be reluctant to provide accurate responses. When automated tools perform the analysis, users may resent knowing that software is analyzing their behavior. For these reasons, social network analysis will remain an untapped source of insight in most organizations.

Before undertaking a social network analysis, Gartner recommends that the organization ensure that it has the trust and buy-in of the people it hopes to include in the analysis in advance. Issues of privacy and confidentiality must be addressed and a determination needs to be made regarding how the information will be used and communicated. Establishing the ground rules upfront will encourage more open and honest participation and reduce the resistance to ongoing relationship monitoring.

More information can be found in the report “Predicts 2010: Social Software Is an Enterprise Reality” which is available on Gartner’s Web site at http://www.gartner.com/resId=1243515.

Tags: Analysis, application, Five Social Software Predictions, gartner, iphone, mobile, mobile phone, phone, UPS

Gartner Key Predictions for IT Organizations and Users in 2010 and Beyond

mobile news — Tue, 30 Mar 2010 08:32:37 +0000

Gartner, Inc. has highlighted the key predictions that herald long-term changes in approach for IT organizations and the people they serve for 2010 and beyond. Gartner’s top predictions for 2010 showcase the trends and events that will change the nature of business today and beyond.

These predictions were selected from across Gartner’s research areas as the most compelling and critical predictions. The trends and topics they address this year speak to the changing balance of power and focus in IT. Gartner analysts said last year’s themes of shifting ownership and revenue flows continue, becoming more pronounced and more sharply focused. As the macro-economic environment adjusts to a new balance between supply, consumer demand and regulation, the focus of this year’s top predictions has expanded to encompass shifts in the way that users interact with IT.

“As organizations make plans to navigate the economic recovery and prepare for the return to growth, our predictions for 2010 focus on the impact of critical changes in the balance of control and power in IT,” said Brian Gammage, vice president and research fellow at Gartner. “With greater financial and regulatory oversight for all IT investment decisions, few organizations will be unaffected.”

“For many organizations, the economic and budgetary challenges of 2009 drove important changes in the general governance of IT investment decisions, accelerating the trend toward greater accountability and transparency,” said Daryl Plummer, managing vice president and chief Gartner fellow. “With a strong emphasis on business-case justifications, chief financial officers (CFOs) assumed a more active role. Although most organizations enter 2010 preparing for a return to growth, this financial oversight is unlikely to be lifted anytime soon. For IT leaders, greater fluency in the language of business has become a requirement.”

Gartner’s top predictions are intended to compel readers to action and to position themselves to take advantage of coming changes, not to be damaged by them. Gartner’s top predictions for 2010 and beyond include:

By 2012, 20 percent of businesses will own no IT assets. Several interrelated trends are driving the movement toward decreased IT hardware assets, such as virtualization, cloud-enabled services, and employees running personal desktops and notebook systems on corporate networks.

The need for computing hardware, either in a data center or on an employee’s desk, will not go away. However, if the ownership of hardware shifts to third parties, then there will be major shifts throughout every facet of the IT hardware industry. For example, enterprise IT budgets will either be shrunk or reallocated to more-strategic projects; enterprise IT staff will either be reduced or reskilled to meet new requirements, and/or hardware distribution will have to change radically to meet the requirements of the new IT hardware buying points.

By 2012, India-centric IT services companies will represent 20 percent of the leading cloud aggregators in the market (through cloud service offerings). Gartner is seeing India-centric IT services companies leveraging established market positions and levels of trust to explore nonlinear revenue growth models (which are not directly correlated to labor-based growth) and working on interesting research and development (R&D) efforts, especially in the area of cloud computing. The collective work from India-centric vendors represents an important segment of the market’s cloud aggregators, which will offer cloud-enabled outsourcing options (also known as cloud services).

By 2012, Facebook will become the hub for social network integration and Web socialization. Through Facebook Connect and other similar mechanisms, Facebook will support and take a leading role in developing the distributed, interoperable social Web. As Facebook continues to grow and outnumber other social networks, this interoperability will become critical to the success and survival of other social networks, communication channels and media sites.

Other social networks (including Twitter) will continue to develop, seeking further adoption and specializations with communication or content areas, but Facebook will represent a common denominator for all of them.

By 2014, most IT business cases will include carbon remediation costs. Today, server virtualization and desktop power management demonstrate substantial savings in energy costs, and those savings can help justify projects. Incorporating carbon costs into business cases provides a further measure of savings, and prepares the organization for increased scrutiny of its carbon impact.

Economic and political pressure to demonstrate responsibility for carbon dioxide emissions will force more businesses to quantify carbon costs in business cases. Vendors will have to provide carbon life cycle statistics for their products or face market share erosion. Incorporating carbon costs in business cases will only slightly accelerate replacement cycles. A reasonable estimate for the cost of carbon in typical IT operations is an incremental one or two percentage points of overall costs. Therefore, carbon accounting will more likely shift market share than market size.

In 2012, 60 percent of a new PC’s total life greenhouse gas emissions will have occurred before the user first turns the machine on. Progress toward reducing the power needed to build a PC has been slow. Over the course of its entire lifetime, a typical PC consumes 10 times its own weight in fossil fuels, but around 80 percent of a PC’s total energy usage still happens during production and transportation.

Greater awareness among buyers and those that influence buying, greater pressure from eco-labels, increasing cost pressures and social pressure have awoken the IT industry to the problem of greenhouse gas emissions. Requests for proposal (RFPs) now frequently look for environment-related criteria of both product and vendor. Environmental awareness and legislative tightening will increase recognition of production as well as usage-related carbon dioxide emissions. Technology providers should expect that they will be required to provide carbon dioxide emission data to a growing number of customers.

Internet marketing will be regulated by 2015, controlling more than $250 billion in Internet marketing spending worldwide. Despite international efforts to eliminate “spam,” marketing “clutter” is abundant in every marketing channel. Pressure for greater accountability means the backlash from annoyed consumers will eventually drive legislation to regulate Internet marketing. Companies that focus primarily on the Internet for marketing purposes could find themselves unable to market effectively to customers, putting themselves at a competitive disadvantage when new regulations take effect. Although experiencing high growth, vendors who focus solely on, and sell predominately to, Internet marketing solutions could find themselves faced with a declining market, as companies shift marketing funds to other channels to compensate.

By 2014, over 3 billion of the world’s adult population will be able to transact electronically via mobile or Internet technology. Emerging economies will see rapidly rising mobile and Internet adoption through 2014. At the same time, advances in mobile payment, commerce and banking are making it easier to electronically transact via mobile or PC Internet. Combining these two trends creates a situation in which a significant majority of the world’s adult population will be able to electronically transact by 2014.

Gartner research predicts that by 2014, there will be a 90% mobile penetration rate and 6.5 billion mobile connections. Penetration will not be uniform, as continents like Asia (excluding Japan) will see a 68% penetration and Africa will see a 56% mobile penetration. Although not every individual with a mobile phone or Internet access will transact electronically, each will have the ability to do so. Cash transactions will remain dominant in emerging markets by 2014, but the foundation for electronic transactions will be well under way for much of the adult world.

By 2015, context will be as influential to mobile consumer services and relationships as search engines are to the Web. Whereas search provides the “key” to organizing information and services for the Web, context will provide the “key” to delivering hyperpersonalized experiences across smartphones and any session or experience an end user has with information technology. Search centered on creating content that drew attention and could be analyzed. Context will center on observing patterns, particularly location, presence and social interactions. Furthermore, whereas search was based on a “pull” of information from the Web, context-enriched services will, in many cases, prepopulate or push information to users.

The most powerful position in the context business model will be a context provider. Web, device, social platforms, telecom service providers, enterprise software vendors and communication infrastructure vendors will compete to become significant context providers during the next three years. Any Web vendor that does not become a context provider risks handing over effective customer ownership to a context provider, which would impact the vendor’s mobile and classic Web businesses.

By 2013, mobile phones will overtake PCs as the most common Web access device worldwide. According to Gartner’s PC installed base forecast, the total number of PCs in use will reach 1.78 billion units in 2013. By 2013, the combined installed base of smartphones and browser-equipped enhanced phones will exceed 1.82 billion units and will be greater than the installed base for PCs thereafter.

Mobile Web users are typically prepared to make fewer clicks on a website than users accessing sites from a PC. Although a growing number of websites and Web-based applications offer support for small-form-factor mobile devices, many still do not. Websites not optimized for the smaller-screen formats will become a market barrier for their owners — much content and many sites will need to be reformatted/rebuilt.

Additional information is in the Gartner report “Gartner’s Top Predictions for IT Organizations and Users, 2010 and Beyond: A New Balance.” The report examines the impact these long-term changes will have in combination with the ongoing trend toward the democratization of IT capabilities. The report is available on Gartner’s website at http://www.gartner.com/resId=1268513.

Tags: application, gartner, Gartner Key Predictions, mobile, mobile Pay, mobile payment, mobile phone, mobile phones, payment, phone

Mobile Payment, Mobile News, Mobile Remittance, Mobile Solutions, Mobile Technology, Mobile Coupons » mobile phone

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