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The Future of Wireless Banking Implementation of Wireless Banking and Financial Systems

Today’s banking and trading institutions realize they must move and move quickly to capitalize on new business opportunities in wireless banking and trading. Resistance to the implementation of wireless banking can lead to major losses at the business and market share levels. | The Future of Wireless Banking Implementation of Wireless Banking and Financial Systems Rod Ghani Senior Consultant IBM Global Services 03/15/2001 Introduction Have you seen change yet? Today’s banking and trading institutions realize they must move and move quickly to capitalize on new business opportunities in wireless banking and trading. Resistance to the implementation of wireless banking can lead to major losses at the business and market share levels. Wireless service soon will be a necessity for the end-user. Although many technological barriers need to be overcome, it is imperative to embrace the change. Wireless banking and trading is only an extension of the product offerings for the financial institutions. It is not an extension of web technology, as often perceived. Online banking and online trading works from standard TCP/IP connection to the Internet using a PC, while wireless applications present a much greater challenge. Today, wireless banking lacks leadership in enforcing one standard. There are several network standards, PDA standards, browsing standards, protocol standards etc. In the wireless world, airwaves are the only vehicle to send and receive data. Depending on the physical location- inside or outside of a building, near or far from a tower, in a small town versus a metropolitan area- quality is highly variable. Did my order go through? Non-repudiation is one of the most contesting issues in wireless banking and trading. The user needs to have proof that the transaction has been executed and confirmed. Wireless banking is revolutionizing the makeup of every financial and banking institution. It is radically transforming the services, needs, and expectations of societies across continents, regardless of culture. In the next twenty-four months and beyond, massive changes will occur in the way we interact with banks and trading institutions regarding our business and personal finances. The revolution is driven by the client (end-user) .