Mobile Banking in the world

Mobile banking has come in handy in many parts of the world with little or no Infrastructure development, especially in remote and rural areas. This part of the mobile commerce is also very popular in countries where most of their population is unbanked. In most of this places banks can only be found in big cities and customers have to travel hundreds of miles to the nearest bank.Countries like Sudan, Ghana and South Africa received this new commerce very well.In Latin America countries like Uruguay, Paraguay, Argentina, Brazil, Venezuela, Colombia, Guatemala and recently Mexico started with a huge success.In Colombia was released with Redeban.In Iran banks like Parsian, Tejarat, Mellat, Saderat, Sepah, edbi and bankmelli offer this service. Guatemala have the support of Banco industrial.Mexico released the mobile commerce with Omnilife,Bancomer and a private company(MPower Ventures). Kenya's Safaricom (Part of the Vodafone Group) has had the very popular M-Pesa Service - mainly used to transfer limited amounts of money, but has been increasingly used to pay utility bills. Zain in 2009 launched their own mobile money transfer business known as ZAP in Kenya and other African countries.

Mobile content
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Mobile content is any type of media which is viewed or used on mobile phones, like ringtones, graphics, discount offers, games, and movies. As mobile phone use has grown since the mid 1990s, the significance of the devices in everyday life has grown accordingly. Owners of mobile phones can now use their devices to make calendar appointments, send and receive text messages (SMS), listen to music, watch videos, shoot videos, redeem coupons for purchases, view Microsoft Word documents, and so forth. The use of mobile content has grown accordingly.
Modern mobile phones can take photographs with a few million pixels. The Nokia n93 can create videos of comparable resolution to a DVD, storing up to 90 minutes on the phone memory.
Mobile content can also refer to text or multimedia hosted on websites, which may either be standard internet pages, or else specific mobile pages.
Mobile content via SMS is still the main technology used to send mobile consumers messages, especially simple content such as ringtones and wallpapers. Because SMS is the main messaging technology used by young people, it is still the most effective way of reaching this target market. SMS is also ubiquitous, reaching a wider audience than any other technology available in the mobile space (MMS, bluetooth, mobile e-mail or WAP). More important than anything else, SMS is extremely easy to use, what makes adoption increase day by day.
Although many say that SMS is an old technology that sooner or later will be replaced by fancier like MMS or WAP, the fact is that SMS reinvents itself continuously. One example is the introduction of applications where mobile tickets are sent to consumers via SMS, which contains a WAP-Push that contains a link where a barcode is placed. This clearly substitutes MMS, which has a limited reach and still suffers from interoperability problems.
It is important to keep enhancing the consumer confidence in using SMS for mobile content applications. This means, if a consumer has ordered a new wallpaper or ringtone, this has to work properly, in a speedy and reliable way. Therefore it is important to choose the right SMS gateway provider in order to ensure quality-of-service along the whole path of the content SMS until reaching the consumer's mobile.
Modern phones come with Bluetooth. This allows video to be sent from phone to phone over Bluetooth, which has the advantages that there is no data charge.