Mobile banking in developing countries

This Master’s thesis examines the feasibility of eBusiness in developing countries by looking at the current mobile banking solutions. The research involved reviewing literature that was relevant to the research questions. It was discovered that the Wizzit and M-PESA are the current solutions to mobile banking. Furthermore, it was found out that the Wizzit and M-PESA were either transformational or additive. Additive mobile banking is the use of mobile phones as a channel to provide services to existing customers within financial institutions. Transformational mobile banking extends financial services to the unbanked. The results of the thesis are M-PESA works with only Safaricom while on the other hand Wizzit has compatibility with any mobile operator. The other result is that both M-PESA and Wizzit are transformational mobile banking technologies at the sametime Wizzit is an Additive mobile banking technology. Wizzit can provide financial services to both the unbanked and existing bank customers. It can be said the merits of Wizzit outweigh those of M-PESA which makes Wizzit better.

The Usage of Microsoft Push Notification Service on Mobile Devices

Along with the increasing in demand of mobile computing, Push Notification (PN) is widely used in mobile phones and other devices. PN allows the developer to send messages to the end users even when the client application is not running at the moment. This solves the problem produced by non-supported multi-tasking feature as well as saving battery life. Microsoft Push Notification Service (MPNS) is one solution to use PNs in Windows Phones. The thesis gives the developers an idea of how to use PNs by introducing MPNS, comparing MPNS with other Push Notification Services, usage of different PN types analysis, and PN simulation system implementation.

A design and a prototype for a mobile information service for tourists

Tourism is one of the biggest industry branches with billions of tourists traveling every year around the world. Therefore, solutions providing tourist information have to be up to date with both changes in the industry and the world’s technological progress. The aim of this thesis is to present a design and a prototype of a tourist mobile service which is individual-oriented, cost-free for the end user, and secure. On the information providers’ side, the solution is implemented as a Webbased database. The end users access the information through a Bluetooth application on their mobile devices. The Bluetooth-based solution allows to avoid any costs for the end users, that is tourists. The study shows that, even with small data transfers, the tourists could save significantly when compared to possible roaming charges for data transfer. Also, the proposed mobile service is not intrusive, as it is provided through an application installed by tourists voluntarily on their mobile devices. Through design and implementation this work shows that it is possible to build a system which can be used to provide information services to tourists through mobile phones. The work achieved a successful ongoing synchronization between the client and the server databases. Implementation and usage were limited to smart phones only, as they provide better technological support for the solution having features like maps, GPS, Wi-Fi, Bluetooth and Databases. Moreover, the design of this system shows how Bluetooth technology can be used effectively as a means of communication while minimizing its shortcomings and risks, such as security, by bypassing Bluetooth server service discovery protocol (SDP) and connecting directly to the device. Apart from showing the design and implementation of the end-user costfree mobile information service, the results of this work also highlight the possible business opportunities to the provider of the service.

Ohjelmistotuotannon menetelmien käyttö sulautetuissa järjestelmissä

Sulautettujen järjestelmien tekemisessä käytettävät metodit ovat moninaiset. Tämä johtuu siitä, että sulautettuja järjestelmiä on tuhansia erilaisia, sekä laitteiston ja ohjelmiston rakentamisen eroavaisuuksista. Sovellukset vaihtelevat kännyköistä aina avaruusluotaimiin. Näihin projekteihin on sovellettu metodeita joita ei ole alun perin suunniteltu laitteiston ja ohjelmiston yhteissuunnitteluun ja toteuttamiseen. Ohjelmistotuotannon menetelmistä oikean valinta nimenomaan tietylle sulautetulle järjestelmälle on haasteellista. Viimeisimpinä ovat tulleet erilaiset ketterät menetelmät ja niitäkin on olemassa useita erilaisia. Ketteriä ja perinteisempiä ohjelmistotuotannon menetelmiä esitellään tässä kandidaatin työssä. Tässä työssä on tarkoituksena selvittää mitkä olisivat parhaiten soveltuvia sulautetun järjestelmän projektille.

Managing Customer Issues through a Support Channel Network

The importance of after-sales service or service in general can be seen and experienced by customers every day with industrial as well as other non-industrial services or products. This dissertation, drawing on theory and experience, focuses on practical engineering implications, specifically the management of customer issues in the after-sales phase in the mobile phone arena. The main objective of this doctoral dissertation is to investigate customer after-sales issue management, specifically regarding mobile phones. The case studies focus on issue resolution time and the issue of corrective actions. This dissertation consists of a main body and four peer-reviewed journal articles and one manuscript currently under review by a peer-reviewed journal. The main body of this dissertation examines the elements of customer satisfaction, loyalty, and retention with respect to corrective actions to address customer issues and issue resolution time through literature and empirical studies. The five independent works are case studies supporting the thesis research questions. This study examines four questions: 1) What are the factors affecting corrective actions for customers? 2) How can customer issue resolution time be controlled? 3) What are the factors affecting processes in the service chain? and 4) How can communication be measured in a service chain? In this work, both quantitative and qualitative analysis methods are used. The main body of the thesis reviews the literature regarding the elements that bridge the five case studies. The case studies of the articles and surveys lean more toward the methodology of critical positivism and then apply the interpretive approach in interpreting the results. The case study articles employ various statistical methods to analyze and to interpret the empirical and survey data. The statistical methods were used to create a model that is useful for significantly optimizing issue resolution time. Moreover, it was found that samples for verifying issues provided by the customer neither improve the perceived quality of corrective actions nor the perceived quality of issue resolution time. The term “service” in this work is limited to the technical services that are provided by product manufacturers and after-sales authorized service vendors. On the basis of this research work, it has been observed that corrective actions and issue resolution time are associated with customer satisfaction and hence, according to induction theory, to customer loyalty and retention. This thesis utilizes knowledge of marketing and customer relationships to contribute to the existing body of knowledge concerning information and communication technology for after-sales service recovery of mobile terminals. The established models in the thesis contribute to the existing knowledge of the after-sales process of dealing with customer issues in the field of mobile phones. The findings suggest that process managers could focus more on communication and training provided to the staff as new technology evolves rapidly. The study also suggest the managers formulate strategies for how customers can be kept informed on a regular basis of the status of issues that have been escalated for corrective action. The findings also lay the foundation for the comprehensive objective to control the entire product development process, starting with conceptualization. This implies that robust design should be applied to the new products so that problems affecting customer service quality are not repeated. The objective will be achieved when the entire service chain from product development to the final user can be modeled and this model can be used to support the organization at all levels.

Citizen Jane : exploring the relationship between gender and cellular phones in societies of control

In this thesis, I argue that the mutually productive relationship between women (as gendered subjects) and cellular phone technology is one of control. Women use cellular phones to organize, manage and otherwise control the multiplicity of tasks required of them on a daily basis. At the same time, through using cell phones, women participate in regimes of control including surveillance and persistent connection. I explore this relationship at the level of everyday practice, and conclude by speculating about this relationship at a wider level of social control and organization. This argument emerges from the critical approach suggested by Slack and Wise (2005), who argue that technology and culture are inseparable. They provide articulations and assemblages as tools of analysis. I situate this analysis more broadly within Foucault's (1991) work on govemmentality, in its modem form of societies of control (Deleuze, 1995b).

Essays in labor and public economics

Dans ma thèse, je me sers de modèles de recherche solides pour répondre à des questions importantes de politique publique. Mon premier chapitre évalue l’impact causal de l’allégeance partisane (républicain ou démocrate) des gouverneurs américains sur le marché du travail. Dans ce chapitre, je combine les élections des gouverneurs avec les données du March CPS pour les années fiscales 1977 à 2008. En utilisant un modèle de régression par discontinuité, je trouve que les gouverneurs démocrates sont associés à de plus faibles revenus individuels moyens. Je mets en évidence que cela est entrainée par un changement dans la composition de la main-d’oeuvre à la suite d’une augmentation de l’emploi des travailleurs à revenus faibles et moyens. Je trouve que les gouverneurs démocrates provoquent une augmentation de l’emploi des noirs et de leurs heures travaillées. Ces résultats conduisent à une réduction de l’écart salarial entre les travailleurs noir et blanc. Mon deuxième chapitre étudie l’impact causal des fusillades qui se produisent dans les écoles secondaires américaines sur les performances des éléves et les résultats des écoles tels que les effectifs et le nombre d’enseignants recruté, a l’aide d’une stratégie de différence-en-différence. Le chapitre est coécrit avec Dongwoo Kim. Nous constatons que les fusillades dans les écoles réduisent significativement l’effectif des élèves de 9e année, la proportion d’élèves ayant un niveau adéquat en anglais et en mathématiques. Nous examinons aussi l’effet hétérogene des tueries dans les écoles secondaires entre les crimes et les suicides. Nous trouvons que les fusillades de natures criminelles provoquent la diminution du nombre d’inscriptions et de la proportion d’élèves adéquats en anglais et mathématiques. En utilisant des données sur les élèves en Californie, nous confirmons qu’une partie de l’effet sur la performance des élèves provient des étudiants inscrits et ce n’est pas uniquement un effet de composition. Mon troisième chapitre étudie l’impact des cellulaires sur la performance scolaire des élèves. Le chapitre est coécrit avec Richard Murphy. Dans ce chapitre, nous combinons une base de données unique contenant les politiques de téléphonie mobile des écoles obtenues à partir d’une enquète auprès des écoles dans quatre villes en Angleterre avec des données administratives sur la performance scolaire des éleves. Nous étudions ainsi l’impact de l’introduction d’une interdiction de téléphonie mobile sur le rendement des éleves. Nos résultats indiquent qu’il y a une augmentation du rendement des éleves après l’instauration de l’interdiction des cellulaires à l’école, ce qui suggère que les téléphones mobiles sont sources de distraction pour l’apprentissage et l’introduction d’une interdiction à l’école limite ce problème.

Mobiles Lernen

In ihrer Arbeit "Mobiles Lernen. Analyse des Wissenschaftsprozesses der britischen und deutschsprachigen medienpädagogischen und erziehungswissenschaftlichen Mobile-Learning-Diskussion." zeichnet Judith Seipold die Phasen und Entwicklungslinien der bisherigen und naturwüchsigen Diskussion um das Mobile Lernen nach. Dabei eröffnet sie mit ihrer Analyse des vornehmlich britischen Wissenschaftsprozesses des Mobilen Lernens ab Beginn des 21. Jahrhunderts den Blick auf die Struktur der medienpädagogischen und erziehungswissenschaftlichen Mobile-Learning-Diskussion, auf deren Kontexte, Bezugspunkte, Perspektiven und theoretische Schwerpunkte, aber auch Erfolge und Problembereiche in der praktischen Umsetzung des Lernens mit Mobiltechnologien in formalisierten Lernkontexten wie dem des Schulunterrichts. Auf diese Weise liefert die Autorin eine Systematik, die nicht nur die britische Diskussion für die deutschsprachige Medienpädagogik verfügbar macht, sondern auch eine neue und systematisch begründete Reflexionsebene für eine aktuelle medienpädagogische Entwicklung – das Mobile Lernen – bildet. Zunächst widmet sich die Autorin der Analyse des Wissenschaftsprozesses der bisherigen britischen und teils auch der deutschsprachigen Mobile-Learning-Diskussion. Um diesen Prozess in seiner Struktur greifbar zu machen, skizziert sie die Bezugsdisziplinen, aus denen die medienpädagogische und erziehungswissenschaftliche Mobile-Learning-Forschung schöpft, arbeitet die Legitimationsbasis auf, auf die sich Mobiles Lernen stützt, zeichnet die historische Entwicklung der Diskussion nach, die sowohl Alltagsnutzung von Mobiltechnologien als auch den Fachdiskurs einschließt, und erläutert innerhalb ihres Modells der Phasen und Entwicklungslinien Mobilen Lernens Theorien, Konzepte und Modelle, die in der Mobile-Learning-Community als zentral für Analyse und Planung Mobilen Lernens erachtet werden. Konzepte und Modelle, die in der Mobile-Learning-Diskussion die Rolle der Lernenden in das Zentrum der Betrachtungen rücken und eine explizite Handlungsorientierung unterstützen, sind Kernbereich des theoriebasierten Teils der Arbeit. Überlegungen zu einer „Sozio-kulturellen Ökologie Mobilen Lernens“, zu „user-generated contexts“ und zu einer „kulturökologisch informierten Didaktik des Mobilen Lernens“ sind dabei sowohl reflektierende Einordnung aktueller Konzepte und Modelle als auch theoretische und konzeptionelle Basis für die praktische Umsetzung Mobilen Lernens. Um die Rolle der Handlungskompetenzen, kulturellen Praktiken und Strukturen der Lerner bei der Nutzung von Mobiltechnologien für Lernen analytisch zu fassen, finden im Praxis-Kapitel Planungs- und Analyseschemata unter Rückgriff auf Beispiele aus der Praxisforschung und der Implementierung mobilen Lernens in den Schulunterricht Anwendung. Ihre Erörterungen rahmt die Autorin abschließend kritisch und weist zum einen auf bildungspolitische, strukturelle und handlungspraktische Implikationen hin, die sich aus der Mobile-Learning-Diskussion ergeben; zum anderen lenkt sie das Augenmerk auf Gegensätze und Dialektiken des Mobilen Lernens, die sich im Spannungsfeld zwischen alltäglicher mobiler Mediennutzung und der teils theoretisch informierten schulischen Verwendung von Mobiltechnologien zum Lernen entfalten. Sie gilt es, im weiteren Verlauf der Diskussion zu hinterfragen und aufzulösen.

Influence of farmers educational level on comprehending, acting-upon and sharing of agro advisories

Although short messaging service (SMS) through mobile phones has quickly gained popularity among most other sectors in India, its potential is not fully realised in the agriculture sector as a cost effective service to reach farmers and elicit desirable action. Despite the cost effectiveness, mobile messaging has remained a challenge in the farming sector in terms of its end use and action as far as extension systems are concerned. While there could be many influencing factors affecting the utility of mobile messages, this study assumed that educational level of farmers could be a major factor. A telephone survey was conducted to ascertain the influence of farmers’ education on the level of utilisation of mobile-based advisories. Farmers with higher education level showed better comprehension of advisories, actedupon the advisories more promptly and shared the information with fellow farmers more often than those with lower education level. There was a significant association between comprehending, sharing and acting upon advisories. This has implications to achieve enhanced extension reach with higher efficiency in terms of cost and time.

gvSIG Mini y Phone Cache

gvSIG Mini es una aplicación open-source de usuario final cliente móvil de Infraestructura de Datos Espaciales IDEs con licencia GNU/ GPL, diseñada para teléfonos móviles Java y Android que permite la visualización y navegación sobre cartografía digital estructurada en tiles procedente de servicios web OGC como WMS(-C) y de servicios como OpenStreetMap (OSM), Yahoo Maps, Maps Bing, así como el almacenamiento en caché para reducir al mínimo el ancho de banda. gvSIG Mini puede acceder a servicios geoespaciales como NameFinder, para la búsqueda de puntos de interés y YOURS (Yet Another OpenStreetMap Routing Service) para el cálculo de rutas y la renderización de la información vectorial el lado del cliente. Por otra parte, gvSIG Mini también ofrece servicio de localización GPS. La versión de gvSIG Mini para Android, posee algunas características adicionales como son el soporte de localización Android o el uso del lacelerómetro para centrado. Esta versión también hace uso de servicios como son la predicción del tiempo o TweetMe que permite compartir una localización utilizando el popular servicio social Twitter. gvSIG Mini es una aplicación que puede ser descargada y usada libremente, convirtiéndose en una plataforma para el desarrollo de nuevas soluciones y aplicaciones en el campo de Location Based Services (LBS). gvSIG Mini ha sido desarrollado por Prodevelop, S.L. No es un proyecto oficial de gvSIG, pero se une a la familia a través del catálogo de extensiones no oficiales de gvSIG. Phone Cache es una extensión que funciona sobre gvSIG 1.1.2 que permite generar una caché, para poder utilizar gvSIG Mini para Java en modo desconectado

Mobile Internet : perspectives from the Stakeholders

Mobile internet represents a major new trend in communication technologies use and consumption, but few evidence exists that confirms claims of novelty and social change in association with this technology use. This paper characterizes the use of mobile internet in a southern European country and associated patterns of use, focusing both on users’ profiles, forms of access, motivations to use and most popular activities undertaken via this technology, from a diffusion of innovations and social adoption of technologies perspectives, and tries to compare mobile it with fixed access to the internet in order to validate possible transformations that point to new social configurations. We seek to understand the way stakeholders perceive and characterize the European context of mobile internet. The depicted study involved a qualitative stage consisting of a set of interviews with mobile communications industry representatives and market research community in the country. These interviews were analysed in Nvivo, leading to the following eleven main categories that are explored throughout the paper: smartphones in Europe, mobile internet in Europe, users profiles, obstacles to the spread, forms of access, forms of use, motivations to use mobile internet, limitations of smartphones, apps, digital divide VS digital union and predictions for the future, as well as several subcategories forming a tree categorization. According to the data collected, mobile phones’ sales are decreasing in Europe and worldwide but on the other hand smartphones are having an exponential growth which leads to the democratization of internet access via mobile devices. As a consequence of this, it is believed that mobile internet access will soon exceed the fixed one. Mobile internet users are multiplatform, they exploit all the possibilities of mobility and they are spending less time on computers. The main obstacles to the spread of mobile internet are the high prices of price plans and there is still a lack of information and knowledge regarding the service. Mobile internet users are developing new online surfing behaviours based on apps and less in browsers and social networks represent a very high share of internet traffic through mobile phones. With mobility, “dead time” is turning into useful time and users are more likely to be available to try new services and analyze products. Innovative services concerning geolocation, consumerism, share and relationships are growing and it is necessary to highlight that mobile internet allows calling and texting, which can turn telecommunications companies into the role of Dump Pipes. This exploratory design raises questions in relation with mobile internet access and its social consequences, and provides interesting indicative research results relevant for future research in this area.

The best of both worlds: Producing national statistics using participatory methods

This paper presents our experience with combining statistical principles and participatory methods to generate national statistics. The methodology was developed in Malawi during 1999–2002. We demonstrate that if PRA is combined with statistical principles (including probability-based sampling and standardization), it can produce total population statistics and estimates of the proportion of households with certain characteristics (e.g., poverty). It can also provide quantitative data on complex issues of national importance such as poverty targeting. This approach is distinct from previous PRA-based approaches, which generate numbers at community level but only provide qualitative information at national level.

Implementing ‘Site BIM’: a case study of ICT innovation on a large hospital project

Numerous Building Information Modelling (BIM) tools are well established and potentially beneficial in certain uses. However, issues of adoption and implementation persist, particularly for on-site use of BIM tools in the construction phase. We describe an empirical case-study of the implementation of an innovative ‘Site BIM’ system on a major hospital construction project. The main contractor on the project developed BIM-enabled tools to allow site workers using mobile tablet personal computers to access design information and to capture work quality and progress data on-site. Accounts show that ‘Site BIM’, while judged to be successful and actively supporting users, was delivered through an exploratory and emergent development process of informal prototyping. Technical IT skills were adopted into the construction project through personal relationships and arrangements rather than formal processes. Implementation was driven by construction project employees rather than controlled centrally by the corporate IT function.

Ink-Jet Printing of Color Optical Filters for LCD Applications

At the age of multi-media, portable electronic devices such as mobile phones, personal digital assistant and handheld gaming systems have increased the demand for high performance displays with low cost production. Inkjet printing color optical filters (COF) for LCD applications seem to be an interesting alternative to decrease the production costs. The advantage of inkjet printing technology is to be fast, accurate, easy to run and cheaper than other technologies. In this master thesis work, we used various disciplines such as optical microscopy, rheology, inkjet printing, profilometering and colorimetry. The specific aim of the thesis was to investigate the feasibility of using company-A pigment formulation in inkjet production of COF for active matrix LCD applications. Ideal viscosity parameters were determined from 10 to 20mPa·s for easy inkjet printing at room temperature. The red pigments used are fully dispersed into the solvent and present an excellent homogenous repartition after printing. Thickness investigations revealed that the printed COF were equal or slightly thicker than typically manufactured ones. The colorimetry investigations demonstrated color coordinates very close to the NTSC red standard. LED backlighting seems to be a valuable solution to combine with the printed COF regarding to the spectrum and color analysis. The results on this thesis will increase the understanding of inkjet printing company-A pigments to produce COF for LCD applications.

Typografiska riktlinjer och textframställning för smartphones

Idag använder allt fler människor sina smartphones för att surfa och använda tjänster online. Detta innebär att en stor del text läses på små skärmar. Detta arbete handlar om hur text bäst utformas och struktureras för att enklast kunna läsas och uppfattas på en mobilskärm. Faktorer som berörs är typgrad, ljusrum, textlängd, teckensnittsklass, radlängd, bild i text och kontrastverkan. Arbetet utgår från en normativ, svensk person utan funktionsnedsättningar. Arbetet är grundat på litteratur, egna analyser, intervjuer med branschfolk, enkätundersökning och test med fokusgrupp. Resultatet blev att en text på smartphone bäst utformas med flera styckesindelningar i form av blankrader, med bilder där bilden tillför något i informativt syfte och textlängd baserat på ämneskategori. Bilden bör sättas ovanför brödtexten. Längre texter ska sättas med scrollfunktion. Kontrast har stor betydelse på mobiltelefoner, texter går bra att läsa även när de är satta negativt. Teckensnittsklass är enligt resultatet av denna rapport inte av betydelse. Både seriff och sanserif kan läsas utan problem på smartphones. Typgraden bör förstoras något i förhållande till telefonens default-inställningar. På grund av att text på skärm inte stödjer avstavningar rekommenderas korta ord där det är möjligt för att förhindra en allt för hackig högerkant.