外文文獻(xiàn)翻譯---手機(jī)銀行——金融領(lǐng)域的新業(yè)務(wù)-金融財政-在線瀏覽
2025-07-31 12:11本頁面
【正文】 One of these dimensions is to handle banking affairs through the Inter (Figure 1).By using the Inter we don39。 expenses are decreased. In this system we don39。 time and money. On the other hand in recent years mobile phones have been developed and widely used. After the mobile phones have got so developed and sophisticated and have been modified to be capable of new services the banks took into consideration the presentation of banking services through mobile phones. To mention the reasons of superiority of mbanking (MobileBanking) over ebanking (ElectronicBanking) we can point to the following items [2, 3]:1 No place restriction: In Mbanking we can handle our banking transactions wherever we are and whenever we High peration coefficient: High coefficient of mobilephone use in the world guarantees probability of growth and success for mobile banking Fully personalized: Mobile phones are pletely private and are used only by its owner. Therefore it increases authenticity of identification of the people who use the banking services. 4 Availability: Most people carry their mobile phones with them wherever they go whether indoors or outdoors. As a result it is possible to offer banking services to customers all the time. Of course mobile banking has some disadvantages。 welfare and decrease of costs of banking services. Mobile banking is divided into mobile forwarding services and mobile banking services. Mobile banking services which are the same as normal banking services are divided into four types: 1 Notifications and Alerts: These services are presented for advising the customers of the transactions done or to be done concerning his account. 2 Information: The special pieces of information concerning transactions and the amount of money available in customer39。s accounts or pay an amount to a third party. To implement mobile banking we require an infrastructure server such as WAP (Wireless Application Protocol), imode, , etc. For exchange of information with the customer we can use services such as SMS (Short Messaging Service) or MMS (Multi Messaging Service) [4]. But in some developing countries such as Iran services 3 like WAP have not been weled due to high costs. Suchdifficulties and such other problems as lowspeed Inter through mobile phone and continuous disconnection through Mobile phone have caused mobile banking to be limited to such services as banking through SMS in these countries. Bluetooth technology can be briefly defined as a standard of shortwave radio frequency for wireless connection of such devices as Pocket PCs, mobile phones, and desktop puters. This technology works with Giga Hertz frequency (Figure 2) and covers a scope up to 100meter distance with the maximum transfer speed of 3 Mbits per second (in Bluetooth 2 standard). Bluetooth can be connected to 8 appliances at the same time [6]. Primarily designed as a cable replacement technology, Bluetooth has bee increasingly popular in modern mobile phones with an estimated 24 million Bluetooth enabled in use in 2020 [7].Currently, with mobile phones its main use is for the connection of handsfree devices (Figure 3) and for synchronizing with desktop puters. However, wi
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