ATM provides functionality that is similar to bothcircuit switchingandpacket switchingnetworks: ATM usesasynchronoustime-division multiplexing, and encodes data into small, fixed-sizedpackets(ISO-OSIframes) calledcells.This differs from approaches such as theInternet ProtocolorEthernetthat use variable sized packets and frames. ATM uses aconnection-orientedmodel in which avirtual circuitmust be established between two endpoints before the actual data exchange begins. These virtual circuits may be permanent To make m-banking application a success bandwidth management is an important issue. The increased flexibility and mobility feature of wireless ATM and its bandwidth on demand function is motivating a large number of carriers towards deployment of the WATM networks. But there are certain issues which are required to be addressed in WATM. The issues are cost effective planning of network, location management and handover management
VIRTUAL CIRCUITS THAT MAY BE �PERMANENT� TO MAKE M-BANKING APPLICATION AS A SUCCESS BANDWIDTH MANAGEMENT IS AN IMPORTANT ISSUE FOR ANALYSING VARIABLE SIZED PACKETS AND FRAMES