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Location-based services A report by the US Federal Reserve March found that 21 percent of mobile phone owners had used mobile banking in the past 12 months. A third of mobile phone users say that they may consider performing some kind of financial transaction through their mobile phone. But most of the users are interested in performing basic transactions such as querying for account balance and making bill Future functionalities in mobile banking[ edit ] Based on the ‘International Review of Business Research Papers’ from World business Institute, Australia, following are the key functional trends possible in world of Mobile Banking.

With the advent of technology and increasing use of smartphone and tablet based devices, the use of Mobile Banking functionality would enable customer connect across entire customer life cycle much comprehensively than before. Illustration of objective based functionality enrichment In Mobile Banking: Challenges for a mobile banking solution[ edit ] Key challenges in developing a sophisticated mobile banking application are:

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Questionnaires were sent to , drivers and analysis was done on the 36, who responded. The questionnaire asked about driving habits, risk exposure, collisions over the past 24 months, socio-demographic information, and cell phone use. Questionnaires were supported with data from cell phone companies and accident records held by police.

The study found that the overall relative risk RR of having an accident for cell phone users when compared to non-cell phone users averaged 1. When adjusted for distance driven per year and other crash risk exposures, RR was 1. They also found that increased cell phone use correlated with an increase in RR. When the same data were reanalyzed using a Bayesian approach, the calculated RR of 0. When the data were reanalyzed using case-crossover analysis, RR was calculated at a much higher 5.

The authors expressed concern that misclassification of phone calls due to reporting errors of the exact time of the collisions was a major source of bias with all case-crossover analysis of this issue.

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