Visa’s closest competitor, MasterCard, decided to segment the mobile payments market and enter a niche where it could serve financially unsecured people, of whom, according to various estimates, there are about 2.5 billion in the world. For this, MasterCard actively cooperates with global companies and operators – Turk cell. Convivia, Intel, istle, Santander.
The mobile payment service fever has also caught on to software makers. The developer of the Opera Mini mobile browser, Opera Software, has launched its own Opera Payment Exchange transaction system, which runs directly in the browser software environment.
According to market players, a mobile transaction is no longer just the interaction of payment systems and applications on a smartphone, it is a full-fledged mobile commerce ecosystem integrated into the existing world of financial services. The boundaries are blurring, services are mutually integrating, creating a headache for developers on how to make mobile financial transactions as simple as possible. Not every developer manages to cope with the assigned tasks alone, so alliances of “titans” appear on the market. A striking example is the strategic alliance between Ericsson and Western Union. This will allow mobile operators to easily integrate Western Union mobile money transfer service into the range of mobile financial services offered to subscribers. The alliance will enable mobile operators, financial institutions, online game developers and retail players to create new revenue channels and improve the efficiency of their operations.
Part 3. Tablet education
Technology today allows us to gain knowledge and information outside the walls of classrooms, libraries or expensive universities. The effectiveness of mobile education can be judged by the fact that videos from YouTube, applications from tablets and mobile devices have already migrated to the real audiences of the leading universities in Australia, schools in New York and London. It is obvious that mobile technologies can change the education system in the near future.
Against this background, attention is drawn to the ambitious project of Ericsson and Lego, which have developed a prototype of a robot, using which one can visually be present anywhere in real time. According to Eric Crews, strategic planning manager at Ericsson, the new product is capable of completely changing the approach to education. He cites his son as an example: “Having placed a robot in a classroom, during an illness, he can“ attend ”all classes and communicate with his classmates. Such things, perhaps, are hardly perceived by our generation, but for modern children these are common phenomena. ”
The authors of educational applications note that mobile technologies are a chance for people who do not have access to quality education to gain knowledge. Nokia estimates that around 759 million adults worldwide (16% of the world’s population) lack basic skills such as reading, writing and numeracy. Two thirds of them are women living in remote rural areas.
In this regard, the iPad app of the popular educational hub Khan Academy looks especially relevant. The site was created with the aim of providing quality education regardless of location and social status. The app library currently contains over 2,700 free videos.
The application, which is now available on iTunes, allows a wide range of users to watch videos – from the simplest arithmetic operations to high school, chemistry, economics and biology. The video is supplemented with exercises for students and collects data on the acquired knowledge of the students. In the video, a live lecture is combined with theory. Practice has shown that in this type of lectures are better perceived by students than listened to in the classroom. The great advantage of the app is that you can work with it without an Internet connection. An extended version of the university library includes synchronization between devices without connecting to the Network. Even while traveling and in the absence of coverage, students still have access to the content of the application, which allows them to return to the material covered or, conversely, get ahead of the curve. According to experts, the tablet app will make Khan Academy a key player in the education sector.
Thus, Nokia launched their educational projects on mobile devices. Back in 2008, the company launched a pilot project to study mathematics using mobile devices in South Africa. In order to get the kids interested, the company used social media. Within the framework of the project, an interactive project on the study of mathematics was downloaded to schoolchildren on their mobile devices. Today the service includes theory and exercises, peer support, small contests and quizzes to test knowledge. The competitive spirit in mobile apps has led students to solve problems in the evenings after school, on vacations, and on weekends, sharing results with each other, testing themselves, and competing with friends. The result was so impressive that the app is now being used in Finnish secondary schools.
This year, Nokia launched two new educational applications for mobile phones: Nokia Life, aimed at developing life skills of the 21st century: financial literacy, communication skills, time management, personal development, cost management, etiquette, accounting for small business, etc., and electronic e-reader.