In this order of ideas, the banking institution must select the types of services it desires to offer through mobile banking. The most common such applications include the ability to verify the balance in one's account and make transfers to other accounts. Additional applications could be made available to further increase customer satisfaction and these could include information on exchange rates or even the ability to convert one currency into another currency. Rajnish Tiwari and Stephan Buse (2007) mention the existence of three categories of services offered through mobile banking -- mobile accounting, mobile brokerage and mobile financial information services. The authors go on to explaining that while information services can be offered as independent services, accounting and brokerage are always dependent on information and will be offered in combination with the third set of data services.
4. IT and HR Resources
The role of the IT Department is crucial in the final success of the new banking service. The team of IT specialists is in change of a wide array of tasks, the most common ones being the actual development of the software application to link internal informational systems to mobile devices; collect and process information received from these sources or ensure maintenance and continual improvement of the system. It must however be noted that the IT department is in charge exclusively of the technical part of the mobile banking application, and the ultimate success of the system depends on the sustained efforts of other categories of bank employees as well. The financial team must for instance support the creation of a centralized database that contains clear, relevant and easily accessible information on the customers, their accounts, as well as any other financial information that might be required in the process. Then, the IT employees must continually collaborate with the staff members in the marketing department. The role of the later category is to research the market in order to identify new trends, new customer demands and needs that could be satisfied, as well as new strategies implemented by the competition. Through communications...
In order to make better management of urbanization certain, governments can take on macroeconomic policies with the intention of alleviating the extent of urbanization to levels that can be controlled or to maintain people to keep on living in rural areas. A National Physical (Spatial) Development Plan could be set up as a principal means for dealing with the "national direction on distribution of population; utilization of land; development
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