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NPCI’s “Unified Payments Interface” | Forget Account details, Credit & Debit Cards, Digital Wallets – Aadhaar & Mobile is the new ‘Financial Identity’

Yesterday April 11, RBI Governor Raghuram Rajan and Infosys co-founder Nandan Nilekani, adviser to the National Payments Corporation of India [NPCI] launched the NPCI’s most ambitious project, a new Electronic Fund Transfer protocol, Unified Payments Interface (UPI) wherein 29 banks would be enabled with this interface under the 1st phase; and then gradually other banks would be brought into the system. UPI is expected to bring about a significant shift in the way mobile banking transactions are conducted. It is a single interface across all NPCI systems, allowing customer to instantaneously transfer funds across different banks with the use of single identification and password.

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Preparing an Enterprise Mobility Strategy? Keep in mind these 20 Challenges & their Mitigation

Enterprise mobility solutions can present a number of challenges – Mobile governance, or the Management of people, policy, and process issues. At times it can seem like a minefield, but enterprises can quickly identify these challenges and overcome them in order to deploy an innovative enterprise mobility strategy. Companies need to bring all stakeholders into the fold to create truly productive and effective Enterprise Mobility. Here are the key challenges that organizations face as they define their Mobility strategy.

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M-Commerce: “A retail outlet in User’s pocket” | 14 Key Considerations

The phrase ‘mobile commerce’ was originally coined in 1997 by Kevin Duffey – “the delivery of electronic commerce capabilities directly into the consumer’s hand, anywhere, via wireless technology.” Mobile commerce transactions continues to grow, and the term includes the purchase and sale of a wide range of goods and services, online banking, bill payment, information delivery and so on. Also known as m-commerce.

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“India Votes” – Changing the way India is Governed

Today, every other enterprise is “Going mobile”. Enterprise mobility enables organizations to leverage contextual data and engage with their customers more effectively and establish a strong brand identity.

Extending the same concept to Governance, why can’t we build a government-backed Mobile App to engage general public? What if Government formulates its strategies focused on citizen’s personas, feedback, discomfort, thought-process and their intent? Instead of a bunch of party people running the nation, wouldn’t it be great if citizens too are involved, real-time? What if ‘Voting’ is not just a once-in-5-year phenomenon but a continuous driving force for a nation’s growth? Yeah! A pioneer idea to change the way a Nation is governed – for betterment!

The Basics · Tools & Techniques

Wireless Application Protocol (WAP & WML) | Mobility meets Cyberspace

Developed by the WAP Forum, the Wireless Application Protocol (WAP) is the de-facto set of communication protocols for the presentation and delivery of wireless information and telephony services on mobile phones and other wireless terminals. WAP is very similar to the Internet’s combination of Hypertext Markup Language (HTML) and Hypertext Transfer Protocol (HTTP). By linking the two ‘hot-topics’ in communication – the internet and mobile technology – WAP provides a very valuable service.