Mobile Banking in Arabia - What's Driving Adoption?

 

I recently returned from a trip to the UAE (Dubai mostly) and Oman. While there I did a bit of research on my own - just talking to folks about how they use their cell phones and so forth. I also had the chance to interview the head of mobile banking services in EMEA for a large, global bank. More on how global banks are avoiding building new branches by offering mobile banking services in another post. 

First, I took the public bus from Dubai to Oman. The average income per family in Oman is far below that in the States - probably less than half. Gas and other utilities are cheap as is education and healthcare. That said, we know that cell phone usage has little to do with income. One of the first things I noticed is how many of the men had at least two cell phones. My initial hypothesis was a work phone and a personal phone. I was soon corrected by my guide who drove me  up to Jebel Shams. In a country where men can have more than one wife, apparently more than one cell phone is necessary. My guide's father has five current wives, but has had nine all together. My guide had two cell phones and a lot more SIM cards. 

My guide was 37 years of age. He had four children and seemed to have an about average income. He worked in sales when he wasn't serving as a guide. He's probably easily one of the most sophisticated cell phone users I've ever met. His cell phone was his portable media player for both music and video. I was astonished by the number of videos he had sideloaded from YouTube. The ringtones were pretty much driving me crazy after about 15 hours in a car with him road tripping. He only had a couple of different ring tones and his phone rang a lot. 

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Intersection of Social & Mobile - Google's Local Places

I give my colleague Charles Golvin credit for finding this article on the official Google blog. I'll be working on a report on the intersection of social and mobile in early 2010 so please send me more examples if you have some. I'm especially interested in the role of social/mobile in the Retail environment. 

Google is mailing out storefront window stickers to 100,000 local businesses in the US. (see their blog post for complete information). If you have the right type of phone and supporting software, you can take a photo of the code on the sticker (see below) and you'll be taken to that business' PlacePage on the Web. The service will show available coupons, allow for ratings, get reviews, etc. 

Here is their post on the applications that work with the service:

 

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Nokia's OVI store reaches 1 million downloads daily

There were a number of sites that reported that Ovi is reaching nearly one million downloads a day. Here's one post with quite a few stats on the store. Congratulations to Nokia. 

I'm writing a piece of research before the end of the year on important trends in wireless. Both increasing and improved direct access to consumers through application stores on cell phones is one of the top trends. The success this past year of Android, Apple, Blackberry and Nokia provides supporting data points. The percentage of smartphones in the market grew at least by 50% from 2008 to 2009. I expect to see more of the same in 2010. Putting an application on your customer's phone is only getting easier. 

HITFIX - Local Entertainment Recommendations on the iPhone

HitFix launched their iPhone application at the beginning of last week. They basic service provides entertainment - movie, TV, performing arts - listings near where you are or where you live.  

I judge the quality of mobile services within the context of the Convenience Quotient. (See report). I define the benefits of mobile services as immediacy (value of having the information or service now), simplicity and context. This service does all three fairly well though I'd like to see it do more.

Immediacy - let's me see what is playing nearby and soon. Would love to see the application go beyond pure forms of entertainment like films and TV, but this is a starting place. I would have liked to see local festivals and street fairs ... or "Christmas Tree Lighting in GG Park," but I know this is hard. 

Simplicity - Let's me link to an area to purchase movie tickets from within the application. That seems basic, but it is not a no-brainer to get all of these partnerships lined up. If it could link to my DirectTV DVR service so I could record TV shows I find within the application, that would be cool. 

Context - uses my location/shows me what is nearby.

They also do well to help with discovery by promoting the iPhone application with two banner ads on their home screen. The link falls short though by simply connecting me to the Apple web site where I can download iTunes - it doesn't give me directions for finding the application within the App store or give me much of a description. 

Here's a screen shot:

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