Monday, March 1, 2010

eBanking and Mobile Banking Covergence

Another type of mobile banking is to do online banking through mobile browser (thin client). This becomes popular as mobile handset resolution, screen size and connection speed have much improved in the last few years. Now it becomes feasible to do online banking through your mobile. The provision of browser mobile banking will take off quickly as it removes the troublesome of Rich Client installation.


The browser mobile banking actually is not more than the ebanking itself. Bank doesn't have to do anything to provide this service. The convergence of the two world of internet and mobile has come to a stage where it becomes very usefull.


The introduction of thin client is actually also has its own challenge. Customer experience of using ebanking in desktop is not optimal. eBanking is designed for a bigger screen size and resolution so customer has to scroll the screen in every way to do online banking in mobile. It is lucky that vendor such as Infosys understand this challenge. Infosys has a product call mConnect which is part of its mobile banking solution.


mConnect is an intelligent application which will render the screen according to mobile resolution and size. Having this capability, banks can provide eBanking services with much more better experience as the layout, font size, colour and picture resolution will be optimised to be read in mobile browser. This will help customer to navigate the screen easier and quick.


Having this solution, then mobile banking has never been easier and Banks can launch this service once they have ebanking services.