Mobile Banking Systems and Technologies

2011 ◽  
pp. 754-759 ◽  
Author(s):  
Cheon-Pyo Lee ◽  
Merrill Warkentin
Keyword(s):  
United States ◽  
Value Added ◽  
The United States ◽  
Small Scale ◽  
Mobile Banking ◽  
Wireless Technologies ◽  
Brick And Mortar ◽  
New Business ◽  
Communication Devices ◽  
Electronic Delivery

The last decade has witnessed the rapid growth of mobile communication devices and wireless technologies across the globe. The convergence of mobile devices and wireless technologies has not only changed the way many activities are conducted, but has also provided a foundation for a new type of technology-aided commerce called mobile commerce (m-commerce). As e-commerce’s next evolutionary stage, m-commerce opens up new business opportunities in business-to-consumer (B2C) markets in addition to extending current operations in e-commerce and traditional brick-and-mortar businesses (Varshney & Vetter, 2002). The significant power of m-commerce is primarily a result of the anytime-anywhere connectivity of wireless devices, which provides unique experiences and services (Figge, 2004; Zwass, 2003). One of the most promising and value-added m-commerce services is mobile banking (Lee, McGoldrick, Keeling, & Doherty, 2003; Mallat, Rossi, & Tuunainen, 2004). Mobile banking is the newest electronic delivery channel to be offered by banks in which technology has become an increasingly vital element, and it provides convenience and enhanced value to both banks and customers. With its clear benefits, mobile banking is now gaining rapid popularity in European and Asian countries with the significant market penetration of mobile handsets and the optimally designed marketing tactics of service providers (Suoranta & Mattila, 2004). However, mobile banking is still marginally adopted across the globe, and especially in the U.S., the growth appears much slower than anticipated (Mallat et al., 2004). In the United States, there are only a small number of banks that have actually introduced mobile banking services, and most other mobile banking efforts are in small-scale trials (Charny, 2001). Therefore, the technology which will be employed in the United States market has been of interest not only to financial institutions, but also to mobile technology developers and future users.

Mobile Banking Systems and Technologies

2009 ◽  
pp. 1246-1255
Author(s):  
Cheon-Pyo Lee ◽  
Merrill Warkentin
Keyword(s):  
United States ◽  
Value Added ◽  
The United States ◽  
Small Scale ◽  
Mobile Banking ◽  
Wireless Technologies ◽  
Brick And Mortar ◽  
New Business ◽  
Communication Devices ◽  
Electronic Delivery

The last decade has witnessed the rapid growth of mobile communication devices and wireless technologies across the globe. The convergence of mobile devices and wireless technologies has not only changed the way many activities are conducted, but has also provided a foundation for a new type of technology-aided commerce called mobile commerce (m-commerce). As e-commerce’s next evolutionary stage, m-commerce opens up new business opportunities in business-to-consumer (B2C) markets in addition to extending current operations in e-commerce and traditional brick-and-mortar businesses (Varshney & Vetter, 2002). The significant power of m-commerce is primarily a result of the anytime- anywhere connectivity of wireless devices, which provides unique experiences and services (Figge, 2004; Zwass, 2003). One of the most promising and value-added m-commerce services is mobile banking (Lee, McGoldrick, Keeling, & Doherty, 2003; Mallat, Rossi, & Tuunainen, 2004). Mobile banking is the newest electronic delivery channel to be offered by banks in which technology has become an increasingly vital element, and it provides convenience and enhanced value to both banks and customers. With its clear benefits, mobile banking is now gaining rapid popularity in European and Asian countries with the significant market penetration of mobile handsets and the optimally designed marketing tactics of service providers (Suoranta & Mattila, 2004). However, mobile banking is still marginally adopted across the globe, and especially in the U.S., the growth appears much slower than anticipated (Mallat et al., 2004). In the United States, there are only a small number of banks that have actually introduced mobile banking services, and most other mobile banking efforts are in small-scale trials (Charny, 2001). Therefore, the technology which will be employed in the United States market has been of interest not only to financial institutions, but also to mobile technology developers and future users.

scholarly journals Using Mobile Banking Services to Improve Financial Access for the Poor: Lessons from Kenya, the Philippines, the United States, Haiti, and India

2011 ◽  
Vol 18 (1) ◽  
pp. 6 ◽  
Author(s):  
Kanika Metre
Keyword(s):  
United States ◽  
Low Income ◽  
Business Models ◽  
The United States ◽  
The Philippines ◽  
Small Scale ◽  
Mobile Banking ◽  
Banking Services ◽  
The Past ◽  
The Poor

As the number of mobile phone subscriptions has rapidly expanded in developing countries, so too has the use of mobile phones to facilitate small-scale financial transactions around the world. Microfinance experts have recognized these mobile banking services as a means for expanding access to financial services among poor and low-income populations. Innovations over the past few years have proven that mobile network operators and banks can cooperate to create successful business models for mobile banking services. Recognizing this success, this paper further explores the ways in which private sector, public sector, and non-profit sector actors can and should collaborate to meet the financial service needs of the poor through innovations in mobile banking. Case studies from Kenya, the Philippines, the United States, Haiti, and India provide relevant lessons on how these collaborations have succeeded or failed in the past.

scholarly journals Location Choice of New Business Establishments: Understanding the Local Context and Neighborhood Conditions in the United States

2020 ◽  
Vol 12 (2) ◽  
pp. 501 ◽  
Author(s):  
Jae Teuk Chin
Keyword(s):  
United States ◽  
The United States ◽  
Quantitative Model ◽  
Local Economy ◽  
Local Context ◽  
Business Climate ◽  
City Governments ◽  
Neighborhood Conditions ◽  
Brick And Mortar ◽  
New Business

With the continuing shift toward e-commerce, physical business locations with a brick-and-mortar presence become an endangered element of urban fabric, land use, and the local economy. City governments and local municipalities have created and implemented a variety of strategies and incentives to stimulate new business activity within their jurisdictions. A policy of enhancing the business climate is productive in some regions but not in others. To understand these variations in outcomes, this research focuses on examining the relationship between the uniqueness of certain regions, spatially bounded characteristics, and how both affect where new establishments locate. A two-level model is introduced to employ the census tract as a spatial unit of analysis and analyzes new establishments within 27 medium-sized metropolitan statistical areas in the United States. That quantitative model allows this study to determine key regional and neighborhood factors, as well as the existence of previously unmeasured factors, influencing location decisions of new establishments. The results of this study confirm the importance of economic, demographic, and geographic conditions at the neighborhood level, providing a better understanding of the vulnerability of the local economy.

The Service Sector in the United States, 1839 to 1899

1967 ◽  
Vol 27 (4) ◽  
pp. 625-628 ◽  
Author(s):  
Thomas Weiss
Keyword(s):  
United States ◽  
Service Sector ◽  
Value Added ◽  
The United States ◽  
Professional Services ◽  
Service Industries ◽  
Public Utilities ◽  
Personal Services ◽  
Government Education ◽  
Quantitative Development

The dissertation is a study of the service industries in the United States during the period 1839 through 1899. The primary purpose of the study is to provide three series relating to the quantitative development of the sector. These series—value-added, gainful workers, and capital stock—provide benchmark estimates at decade intervals centered on census years. Series are presented for the aggregate sector; the major components, final and intermediate services; and eight industries. These eight industries, defined as the service sector, are trade, transportation and public utilities, finance and insurance, professional services, personal services, government, education, and the independent hand trades.

scholarly journals Air versus water chilling of chicken: a pilot study of quality, shelf-life, microbial ecology, and economics

2020 ◽  
Author(s):  
Aeriel D Belk ◽  
Toni Duarte ◽  
Casey Quinn ◽  
David A. Coil ◽  
Keith E. Belk ◽  
...  
Keyword(s):  
United States ◽  
Pilot Study ◽  
Shelf Life ◽  
Microbial Ecology ◽  
Large Scale ◽  
Water Immersion ◽  
The United States ◽  
Poultry Meat ◽  
Small Scale ◽  
Meat Industry

Abstract Background. The United States’ large-scale poultry meat industry is energy and water intensive, and opportunities may exist to improve sustainability during the broiler chilling process. After harvest, the internal temperature of the chicken is rapidly cooled to inhibit bacterial growth that would otherwise compromise the safety of the product. This step is accomplished most commonly by water immersion chilling in the United States, while air chilling methods dominate other global markets. A comprehensive understanding of the differences between these chilling methods is lacking. Therefore, we assessed the meat quality, shelf-life, microbial ecology, and technoeconomic impacts of chilling methods on chicken broilers in a university meat laboratory setting. Results. We discovered that air-chilling (AC) methods resulted in superior chicken odor and shelf-life, especially prior to 14 days of dark storage. Moreover, we demonstrated that AC resulted in a more diverse microbiome that we hypothesize may delay the dominance of the spoilage organism Pseudomonas. Finally, a technoeconomic analysis highlighted potential economic advantages to AC when compared to water-chilling (WC) in facility locations where water costs are a more significant factor than energy costs. Conclusions. In this pilot study, AC chilling methods resulted in a superior product compared to WC methods and may have economic advantages in regions of the U.S. where water is expensive. As a next step, a similar experiment should be done in an industrial setting to confirm these results generated in a small-scale university lab facility.

scholarly journals Environmental Accounting for Pollution in the United States Economy

2011 ◽  
Vol 101 (5) ◽  
pp. 1649-1675 ◽  
Author(s):  
Nicholas Z Muller ◽  
Robert Mendelsohn ◽  
William Nordhaus
Keyword(s):  
United States ◽  
Air Pollution ◽  
Power Plants ◽  
Sewage Treatment ◽  
Value Added ◽  
The United States ◽  
Environmental Accounting ◽  
Integrated Assessment Model ◽  
Assessment Model ◽  
National Accounts

This study presents a framework to include environmental externalities into a system of national accounts. The paper estimates the air pollution damages for each industry in the United States. An integrated-assessment model quantifies the marginal damages of air pollution emissions for the US which are multiplied times the quantity of emissions by industry to compute gross damages. Solid waste combustion, sewage treatment, stone quarrying, marinas, and oil and coal-fired power plants have air pollution damages larger than their value added. The largest industrial contributor to external costs is coal-fired electric generation, whose damages range from 0.8 to 5.6 times value added. (JEL E01, L94, Q53, Q56)

scholarly journals Feeding and lighting practices on small-scale extensive pastured poultry commercial farms in the United States

2019 ◽  
Vol 98 (2) ◽  
pp. 785-788
Author(s):  
Maurice Pitesky ◽  
Alison Thorngren ◽  
Deb Niemeier
Keyword(s):  
United States ◽  
The United States ◽  
Small Scale ◽  
Commercial Farms

Introduction

2018 ◽  
Author(s):  
Paul K. MacDonald ◽  
Joseph M. Parent
Keyword(s):  
United States ◽  
International Politics ◽  
Value Added ◽  
The United States ◽  
Central Question ◽  
Policy Debates ◽  
Rise Of China ◽  
Grand Strategies ◽  
The Rise Of China

This chapter asks the central question, outlines the three main arguments, and explains the value added of the work. It underscores why the question matters to theories of international politics and policy debates on the rise of China and the decline of the United States. It also defines decline and retrenchment,relates retrenchment to a spectrum of grand strategies, and provides a map of the rest of the book.

Introduction

2017 ◽  
Author(s):  
Julian Agyeman ◽  
Caitlin Matthews ◽  
Hannah Sobel
Keyword(s):  
United States ◽  
Economic Development ◽  
Cultural Practices ◽  
The United States ◽  
Community Economic Development ◽  
Street Food ◽  
Food Trucks ◽  
City Brand ◽  
Brick And Mortar ◽  
State Street

The urban food scape is changing rapidly. Food trucks, which are part of a wider phenomenon of street food vending, are an increasingly common sight in many cities throughout the United States and Canada. With this rise in the popularity of food trucks, the key issue of regulatory conflicts between the state, street food vending and food truck entrepreneurs, and the wider industry as a whole, has risen to the fore. Cities have responded in various ways to increased interest in mobile food vending – some have adopted encouraging and relaxed regulations, some have attempted to harness the momentum to craft a city brand, and some have rigidly regulated food trucks in response to protest by brick-and-mortar competitors. This Introduction frames the volume through its guiding questions and a variety of lenses - community economic development, social justice, postmodernism. The Introduction also outlines the sections of the volume (Democratic vs. Regulatory Practices and Spatial-Cultural Practices) and summarizes the chapters included in each section.

Use of Chemical and Nonchemical Methods for the Control of Varroa destructor (Acari: Varroidae) and Associated Winter Colony Losses in U.S. Beekeeping Operations

2019 ◽  
Vol 112 (4) ◽  
pp. 1509-1525 ◽  
Author(s):  
Ariela I Haber ◽  
Nathalie A Steinhauer ◽  
Dennis vanEngelsdorp
Keyword(s):  
United States ◽  
Varroa Destructor ◽  
Large Scale ◽  
The United States ◽  
Small Scale ◽  
Control Methods ◽  
Colony Losses ◽  
Potential Control ◽  
Winter Losses ◽  
Varroa Control

Abstract The parasitic mite Varroa destructor (Acari: Varroidae) is a major cause of overwintering honey bee (Apis mellifera) colony losses in the United States, suggesting that beekeepers must control Varroa populations to maintain viable colonies. Beekeepers have access to several chemical varroacides and nonchemical practices to control Varroa populations. However, no studies have examined large-scale patterns in Varroa control methods in the United States. Here we used responses from 4 yr of annual surveys of beekeepers representing all regions and operation sizes across the United States to investigate use of Varroa control methods and winter colony losses associated with use of different methods. We focused on seven varroacide products (amitraz, coumaphos, fluvalinate, hop oil, oxalic acid, formic acid, and thymol) and six nonchemical practices (drone brood removal, small-cell comb, screened bottom boards, powdered sugar, mite-resistant bees, and splitting colonies) suggested to aid in Varroa control. We found that nearly all large-scale beekeepers used at least one varroacide, whereas small-scale beekeepers were more likely to use only nonchemical practices or not use any Varroa control. Use of varroacides was consistently associated with the lowest winter losses, with amitraz being associated with lower losses than any other varroacide product. Among nonchemical practices, splitting colonies was associated with the lowest winter losses, although losses associated with sole use of nonchemical practices were high overall. Our results suggest potential control methods that are effective or preferred by beekeepers and should therefore inform experiments that directly test the efficacy of different control methods. This will allow beekeepers to incorporate Varroa control methods into management plans that improve the overwintering success of their colonies.

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