Like most things in the twenty first century, banking has also evolved and changed significantly thanks to the internet and the immense advancement in technology, not least of which are mobile devices. With new banking facilities comes a plethora of new banking terms many of which are somewhat confusing! There’s Mobile Banking, known by some as M-Banking and then there’s internet banking or is it online banking or E-Banking? Well, what we do know is that neither mobile banking nor internet banking means having to locate and physically go into a bank to visit a teller but other than that, is mobile banking different from internet banking?

Although mobile banking was first introduced on some levels in Europe over ten years ago, it is still a relatively new concept to most of us. So what is Mobile banking? Simply put, Mobile banking is a term used for performing balance checks, account transactions, payments, credit applications and so on via a mobile device. What better way to stay connected with your bank accounts anytime from anywhere especially in this fast-paced world; being able to transfer funds whilst travelling or receiving up-to-the minute text updates on stock prices or currency rates without having to find a bank in which to do it?

Internet banking, or E-Banking refers to a system where a customer can access their accounts and banking information via a personal computer or similar device. This was first introduced in the 1980′s but has seen a massive growth of usage over the past decade. So the two concepts sound relatively similar, but just use a different device – or do they? With the huge advances in smartphone technology and the blurring of lines between smartphones, tablet PCs and so on, one wonders if it is quite so easy to distinguish between mobile banking and internet banking to the same degree.

Mobile certainly has the edge for “anywhere” banking these days. It certainly appeals to those who use their mobiles a lot and who enjoy ‘real-time’ banking solutions for their individual needs. Online banking still has a more sophisticated reporting characteristic and its information capabilities are more refined. The security and risk management between the two are also quite different, but the boundaries are definitely merging in general terms between these two types of banking. Each has their bonuses and their limitations so it comes down to consumer choice as to which is best.

Smartphones adoption continues to rise, their screens and their memory capacity are increasingly larger and mobile banking will inevitably become increasingly popular. Mobile is the way of the future for some many things including marketing and if your business hasn’t yet tuned into what mobile marketing can do for you, visit us now to find out more.

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One of the most typical problems right after a breakup is learning how you can communicate or contact your ex. The question is how you can call or how to text message an ex. Doing this might drive your ex away or get her or him back to you. These days, one of probably the most typical and well-liked way to communicate is by text message messaging.

You will find millions and millions of text messaging (love, missing, funny, and cool, greetings, etc) are sent and received by millions of individuals all throughout the globe. As you are able to notice, there are only a little numbers of individuals who don’t have a mobile or cell phone even if it’s just the oldest model of cellular phone. You will find even some people who break up simply because of cell phone or breaks up via the cell phone.

To Text or Not To Text?

Should you or should you not text message your ex after breaking up with you? Well, initially, it is a no – no. Contacting your ex right after the break up is truly a bad move. You must give your ex some space to analyze things about himself or herself and about your past relationship.

Try to give him or her some time to miss you and straighten up points. Then, right after a while you are able to start talking. How will you text message your ex? Actually, text messaging your ex is usually a bad idea and not recommended. But with today’s liberated minds, texting is nearly the same as talking to him or her directly. Nevertheless, there are many reasons why text messaging your ex is such a bad idea.

Lost In Translation

Text message messaging can frequently get misunderstood and you will not know the feelings of your ex via it. For example, is your ex upset, mad, annoyed, or frustrated with you? These emotions are sometimes impossible to tell via texting and without hearing his or her voice. Don’t text message your ex and ask what he or she may be performing because this will cause a wrong impression which you are just really checking up on her or him.

They will just feel interrogated and get the wrong concept that may push him or her away much much more. If you do not have any chance of meeting her or him in person to talk to your ex, and your only choice is to call or text her or him, choose to call your ex should you actually have more things to say. But if there is nothing which you require to tell your ex, keep your text messages very short.

In general, if you nevertheless want to get in touch with your ex and you’ve other choice aside from texting her or him, choose the other option. You are able to still get your ex back or push him or her away much more depending on what and how you approach her or him. The points you will say may be the way for getting your ex back again or pushing him in the opposite direction. You might nevertheless be friends or produce an enemy after texting or calling up.

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It is quite interesting to look at definitions of mobile marketing online. One version describes it as “marketing on or with a mobile device”, which in essence, may sound like a flat, one-way process. That is that the business “markets” to or at the consumer via their mobile. The other talks of “marketing business activities -with the intention of bringing buyers and sellers together- for an advantageous exchange of products and where the primary contact with the consumer is via their mobile device”. Now that version sounds like a much more interactive, dynamic and two-way process. So which is it? Is mobile marketing a one-way or an interactive process?

SMS marketing is made up of a wide range of SMS services and is absolutely a two-way process. The mobile user sends an SMS to a short code or number starting with a predefined keyword. They receive a text back with the requested information such as a mobile discount coupon, an online link to a service or product; acknowledgment that they have been entered into a competition or that their vote has been added to a poll. They could receive a text which lets them try a new product and so on. Users choose to opt-in so unlike spammed email, these texts are welcomed and usually read within seconds of receiving them.

Contrast mobile marketing with traditional marketing of past decades which was based on simple, one-dimensional advertising on television or on billboards with smiley messages and a simple slogan. Marketing has now evolved into multidimensional, interaction with its target audience that allows the consumer more control over the products they buy and the services they use. Clever consumers are no longer passive in a one-way marketing process but are actively engaging via their mobile in the world of consumerism.

Text marketing is making its mark because it is demanded and it is wanted by the consumer. In this busy world in which we live, almost everyone has a mobile device that’s switched on 24/7, checked frequently and has a multitude of uses. It is the perfect tool to reach consumers with a message; consumers of every age and demographic.

Text marketing companies also provide companies the platform to allow opt-in databases, so that the relationship between them and their consumers can be ongoing. This marketing is truly a two-way process. If you need further convincing, the best way to find out is to trial it for yourself.

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