Smartphones

Mobile Banking Services, or Bank on-the-go if you prefer, is getting so strong in some countries and with some segments of population like the Millenniums that Banks must now act quickly to understand its trends and become key players to profit from it.

One of the key factor of Mobile Banking Services growth is the high penetration level of Smartphones in Western countries where 50% of owners have been using a mobile banking application. All major Banks in North America have deployed or developed Mobile Banking Services in recent years which a large part of their Clientele is using.

In countries where a large proportion of the people is unbanked, cellular phones are being used as a commercial vector of all sorts!

“Banking is essential, not Banks,” famously said Bill Gates, CEO of Microsoft, in 1994.

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Everybody talks about BI (Business Intelligence) and its virtues since a few years; everybody wants BI seeing in it a miracle remedy to its enterprise or Sales Force performance or thinking it could be the new growth vector they’re looking for. And probably with good reason but it can’t be done with a blink of an eye, there has to be a sound analysis done before mobilizing Business Intelligence!

Challenges of Business Intelligence

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You are a mobile worker and you have just got yourself the brand new iPad2 and it’s killing you… you just feel like not bringing your laptop on your next business trip or client meeting.  Now, is this a good idea?

Only 4-5 years back; I would have answered this: tell me about your IT systems and I’ll tell you how things will turn out because at the time, most mobile workers were greatly depending on the « back-end office » to do business; and then came the BlackBerry which enabled real-time business and conversation with the Clientele and afterwards, new Smartphone devices with stock and calculus and synchronization and display capabilities have made us all almost fully autonomous in terms of Mobility, but let’s be honest, it’s still not a laptop!

So what’s new with Tablets, really?  Well, many things but maybe first and foremost they are the best mid-term between working / display surface and easiness of transportation!!!  I don’t want to provide free advertising but the new iPad 2 is only 8,8 mm thick for a weight of 601 g, it can hold into your hands but with a display screen far more superior than that of a Smartphone.

And with a touch-screen tablet, iOS and Android that is (and a few others…), everything becomes so instinctive: launching an application, surfing the Web, consulting your emails, watching a movie or reading a book; it’s almost child play. Having doubts, take a look at this picture!!!

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Last week, we were discussing The Eternal IT Dilemma; tailor-made software development or commercial software solution?  How about this dilemma from a Mobility perspective; how does it go about Smartphones and Tablets? Does enterprises go for a Tailor-made mobile Application?

The vast majority of enterprises that put into play a Sales Force are thinking about integrating Mobility to their IT development or among the needed IT solutions.  The laptop seems to be getting slower and slower to get started and not always easily « networked »; which can be accounted for the fact that more and more representatives leave them at the office and fall back to their Smartphones, even to get strategic information much needed for outdoors client activities.

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