Tuesday, 22 May 2012

Kaching of Commonwealth Bank


Available in apple store of the Commonwealth Bank's Kaching app (pronounced Ka-ching) will work with a specially designed case for the iPhone 4 and iPhone4S smartphones. It will be the world's first commercially available iPhone app that utilises NFC technology.
The compatible iCarte case has a built-in NFC chip that allows users to pay by tapping their phone on a contact-less PayPass transaction terminal: CommBank says it takes around one and a half seconds to make a payment. The case can eventually be ordered on Commonwealth Bank's Website.
CommBank describes the NFC-enabled case that works with the Kaching app as "interim technology" until NFC chips are built into the iPhone itself. Apple is widely expected to introduce built-in NFC technology into the next generation iPhone. The only smartphones with a built-in NFC chip that are currently sold in Australia are Google's Nexus S, Nokia's C7 and N9 and the BlackBerry Bold 9990.
CommBank says the Kaching app and its NFC features will eventually be rolled out to Google Android smartphones in the near future, but will launch exclusively on the iPhone. The bank says 91 per cent of its mobile banking logins come from iPhone and Android devices but a very high 79 per cent of these logins are strictly from iPhones. It therefore chose the most popular iOS platform to launch the Kaching app on.







In addition to wireless NFC payments, the Commonwealth Bank's Kaching app is also the world's first to provide peer-to-peer payments (P2P) via mobile, e-mail and Facebook. The Kaching app links to the iPhone's address book to enable mobile and e-mail payments, while the app will link direct to your Facebook ID to enable payments via the social networking service. The Kaching app will enable mobile, e-mail and Facebook payments to non Commonwealth Bank customers by directing these users to a secure, external site to collect payments.
"This banking breakthrough marks a significant leap forward in how we pay and receive money from each other," said David Lindberg, executive general manager cards, payments and retail strategy Commonwealth Bank Australia. "Commbank Kaching brings speed, convenience and safety to our mobile phones."
Outside of NFC and P2P payments, the Commonwealth Bank Kaching app enables access to all basic banking transactions including account balance check. The bank says that 99 per cent of Netbank's current features are available through the app. Users can also top up credit and debit cards linked to their account and pay bills through the BPAY service.
CommBank says it will not charge its customers for the Kaching app, as it's "another logical step for customer satisfaction and service." Instead, it will attempt to use the Kaching app as leverage in an attempt to gain new customers. However, it will charge a yet to be announced fee for the compatible iCarte NFC-enabled case.

Monday, 2 April 2012

Mobile applications will empower enterprise business processes



Despite the boom in consumer use of mobile technology and the increased availability of mobile sites and tools for customer engagement, internal business use remains limited beyond e-mail and calendars. E-mail has seen virtually ubiquitous deployment by the enterprises and SMBs Forrester surveyed in early 2010, with 89% either having implemented wireless e-mail, expanding current implementations or planning to implement within the next 12 months. Calendaring and contacts showed similarly high levels of adoption of among the survey respondents (74%).
However, the mobile apps for business processes that touch internal operations and administration, as well as mobile employees, show far less uptake. Emergency response (24%), sales force automation (21%), customer-facing mobile applications (19%), and field service apps (18%) see some adoption, with lower levels of uptake related to asset management, inventory, logistics and supply chain. Based on our survey data and discussions with users and suppliers, the current state of mobile business process apps is that:
  • Custom development is predominant, but off-the-shelf use is increasing. The bulk of mobile applications in use are custom-built for specific situations. Forrester survey data shows that while some business applications are purchased from apps stores (27%) and as extensions to enterprise packages (for example CRM, 24%), the most frequent scenario is in-house development (38%) or development that's contracted to external developers (25%). Mobile middleware platform use was only 5%, but packages and custom development based on these technologies is likely to increase rapidly.
  • Off-the-shelf package offerings are in an evolutionary stage. Numerous mobile packaged applications are in the market today, both from large suppliers such as Oracle, salesforce.com and SAP, as well as from specialised ISVs and platform ecosystems (for example, RIM and Microsoft). Interviews and demonstrations with enterprise applications suppliers, however, suggest mobile adoption is at an early stage. The applications reviewed generally offered limited functionality, restricted platform choice and evolving selling and pricing models.
  • User profiles are narrowly defined. In deploying mobile applications, the target audience must be carefully defined. The most common target for mobile applications are task workers, where a specialised mobile application or device provides clear value in automating a task. Examples of highly evolved proprietary uses include freight shipping (for example, FedEx and UPS) and car rental returns. Such targeted applications are typically controlled by IT and limited to a specific company-issued device, often rugged or custom-built.
  • Mobile users ultimately determine success. Pilots are necessary for mobile applications. In rolling out a custom application for field sales, Sunbelt Rentals tried RIM and Microsoft platforms before settling on iPhone as the platform of choice in a successful mobile deployment. Usability limitations inherent in device form factors and platforms require careful usability design and testing.
Mobile busines apps can enrich business processes
With mobile technology drawing so much attention today, the question facing business process professionals is less about where we are today with mobile business applications but rather where we are going. In addition to extending enterprise applications to mobile devices, mobile applications will evolve to encompass end-to-end business processes (for example, procure to pay, talent management and sales to delivery) and a broad range of business users.
Match mobile business applications to user roles
Workers fall into different classes or profiles, based on job roles and work locations. These include corporate office workers, executives, managers, telecommuters, corporate travellers, field sales, field services and operations. Mobility clearly has value for workers that frequently are out of the office.
Mobilising existing enterprise applications, by itself, will not create business process value scenarios that will motivate companies to invest in the technology. For more compelling value scenarios, the mobile applications must take advantage of capabilities unique to the devices, as well as leveraging anytime/anywhere connectivity. Device capabilities that can drive higher business process value include location presence, image capture, video recording, live videoconferencing, social networking, multimedia consumption, money transfer, bar code scanning, text messaging, data storage and Bluetooth connectivity.
Packaged application suppliers jump on the mobile bandwagon
Most enterprise applications suppliers are working on packaged mobile app development and some of them have mobile solutions available today. Mobile applications enable suppliers to extend core business technologies to more users while creating additional product SKUs and revenue growth opportunities. The market for mobile packages applications also gets a boost from smaller independent software suppliers (ISVs) that specialise in mobile technology, from start-ups to established mobile development platform suppliers such as Antenna Software and Pyxis Mobile.
Enterprise apps suppliers see mobile as a strategic imperative
Enterprise applications suppliers appear to universally agree that mobile applications are strategically important, but levels of enthusiasm vary. SAP, the market leader in enterprise applications, is one of the most proactive. SAP presents mobile as one of its top strategic imperatives, even before the Sybase acquisition, and now will extensively leverage Sybase's portfolio of mobile middleware assets to develop new offerings. Concur, Oracle, and salesforce.com are also proactive in mobile and have products in general availability. Many other business applications suppliers, including ADP, Infor, Kenexa, Kronos, Lawson and Workday, are in various stages of mobile applications strategy and product development
The excitement around new mobile devices like iPad and Android phones and the explosion of innovative consumer mobile apps seeds the market for business apps, but successful implementation is not guaranteed. Rushing to adopt this next-generation user experience is risky.


sourcehttp://www.computerweekly.comjeevantechnologiesblog.blogspot.com