Mobile Banking Based on Stand-alone Mobile Application Clients -A Suggested Mobile Banking Solution for Banks in Jordan-
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Abstract
Mobile Banking is defined as online-banking enabled by wireless communication. Many banks are evaluating the use of mobile as a channel to expand their brand competitiveness to: attract new customers, improve customer service and reduce costs. Jordan with its special features as one of the developing countries will be a good environment to implement such system. Latest statistics showed that the percentage of mobile subscribers in Jordan was 76% of Jordanian people (who are ages 15 years or older) in May 2010-offered by its four major network operators according to a report by the IPSOS Jordan for studies and researches (www.IPSOS.com). Thus, this paper develops and presents a mobile business solution based on stand-alone mobile application clients (called MB-MAC) for banks in Jordan. MB-MAC extends the convenience of existing online services- such as account balance information, funds transfer, and mini-statements- by making them accessible from any mobile device. As such with mobile services, a bank will need to hire even less employees as customer will no longer need to visit bank branches apart from certain occasions. The MB-MAC -designed to accommodate banks and customers‟ interfaces- was developed, implemented and tested successfully.
Keywords: Mobile Banking, J2ME, push/pull services, and MVC Patterns
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