Mobile marketing impacts the sporting industry. Major sporting events are a key driver of emergent communication technologies, and text marketing is no different. The 2012 London Olympics saw mobile advertising grow by 50%, as businesses recognized the enormous power of the spectacle as an attention-grabber that could attendees into phone numbers on lists.
Other sports organizations are realizing the potential of text marketing as a way of engaging fans whose prior involvement in the game was limited to hollering support (or abuse!) from the touchline. The smartphones now carried by most fans allow them to interact directly with their club or team. Collegiate athletic departments are looking towards the 35% of young sports fans who routinely comment on games via social media.
College sports fans and tech-savvy youngsters aren’t just easy bedfellows – they’re often one and the same person. Educated and equipped with their smartphone round-the-clock, this demographic is instinctively primed for your text marketing campaign.
It’s not just college sports or major one-offs like the Olympics that are benefitting from text marketing. Sport is big business, and everyone from the Bundesliga in Germany to the NBA in the US, right down to minor league grassroots enterprises are using mobile platforms to transmit, among other things:
Text marketing is helping the global reach of sports organizations grow. Even a decade ago, the English Premier League was still largely the preserve of UK soccer fans. At the end of 2012, 37% of global mobile media users followed it.
The beauty of sports as a vertical is how easily it can be broken up into sub-verticals. Take the aforementioned soccer as an example. You have a pyramid of fandom, all pointing to ‘soccer’ at the top. Beneath that you have a variety of international clubs, which capture huge audiences (nearly half the global population watched the 2010 World Cup, according to FIFA). Below that are the top-flight club teams from around the world, which attract cross-country interest thanks to the European Cup and other continental competitions. Then there is a raft of amateur and semi-pro lower leagues, each with their own loyal following. Finally you get right down to Sunday soccer teams and casual spectators who watch the occasional televised match. This grassroots fanbase is just that – a ‘base’ on which the entire soccer industry is built.
To varying degrees, these fans have strong, identifiable allegiances that translate directly into personal preferences. This segmentation neatly forms the basis of an effective, highly targeted mobile marketing strategy, which no sports organization should go without.
According to researchers, people who use their smartphones to send text messages have what’s referred to as a “texting rhythm” that’s detectable upon evaluation of their brains. The new study shows that texting can actually change a human’s brain waves.
Little is known about the neurological effects of smartphones on humans, aside from this bit of fresh fodder; but scientists are coming to find out more about how our brains function while using the devices. The study analyzed data from 129 participants, all whom were monitored for more than 15 months via video footage and electroencephalograms (EEGs). It found the unique “rhythm” in about one out of five participants, all of whom had their brain waves monitored as they used their smartphones to send texts.
The Mayo Clinic Study
Researchers working at the Mayo Clinic in the United States found this “texting rhythm” after asking study participants to take part in various activities using their smartphones, such as sending normal text messages, tapping their fingers on their devices’ screen, and using the phones’ audio telephone capabilities. All of these tasks were to evaluate cognitive and attention function.
Only sending text messages caused the brain rhythm to change in study participants. Researchers think that it’s the combination of auditory-verbal and motor neurological activity, combined with mental activity, that creates these unique brainwaves. Further, there seems to be no correlation between the “texting rhythm” and the participants’ demographic profiles, such as gender, age, detection of an existing brain lesion, or epileptic history.
Further Findings Including iPad Use
William Tatum, director of the epilepsy center and the epilepsy-monitoring unit at the Mayo Clinic, led the study and says that the new brain rhythm is largely connected to a vastly distributed network that is increased by emotion or attention. He states that the “texting rhythm” is an “objective metric” of the human brain’s capability of processing non-verbal data while using an electronic device.
Researchers hypothesized that the “texting rhythm” might only be found in participants using mobile devices that could fit in their hands, because these devices have small screens and require greater concentration. They saw, however, that the rhythm was also present in the participants who messaged on iPads.
Can We Use This Data to Reach Any Conclusions?
The Mayo Clinic study could provide significant implications when it comes to conversations about interfacing with computers and even driving. Tatum says that we now have a biological reason to refrain from texting and driving. Texting changes brain waves, so people (especially heavy-texting millenials) need to avoid doing so while operating a car.
Tatum also states that there is a lot more research that needs to be done to understand the brain responses generated when a human sends a text. The complete Mayo Clinic study was published in Epilepsy and Behaviour, a medical journal.
If you’re a business owner, the fact that 84 percent of millennials act on mobile push notifications is something to definitely capitalize on...and quick. The location-based mobile platform Retale commissioned a study on the subject in September of 2015, which polled 500 millennial adult men and women age 18-34 years old all over the United States.
The study found that 94 percent of the millennial generation use location-based services, or apps that identify a person’s location. Retail establishments and brands frequently use such apps to send consumers information about products and services at stores near their locations. These services are a bit more popular among millennial iPhone users at 97 percent than they are among millennial Android users at 93 percent.
Acting On Push Notifications
Some 84 percent of millennials respond to push notifications. Engagement following push notifications from brands is high at 83 percent, with men more likely to follow through on push notifications than women at 86 percent and 79 percent, respectively. Some 89 percent of millennials will act on push notifications from favorite brands, with men again more likely to act than women at 91 percent and 85 percent. As previously mentioned, iPhone users are more active on mobile devices in terms of push notifications than their Android counterparts at 92 percent and 86 percent.
In terms of the types of information millennials like to receive when push notifications pop up, most want deals and discounts (shocking!). Coupons, “instant” deals, customer rewards, sales, and new product information are among the favorite push notification topics, as are store locations, hours, and in-store guidance as to where products are located. Receipts following purchase completion are also among preferred push notification information.
Reasons for No Response
When asked about reasons for not responding to push notifications, millennials cited lack of relevance, intrusion/too many notifications, poor timing, and lack of deals. Considering that 80 percent of millennials look at their devices first thing in the morning and 78 percent spend two or more hours on their devices each day, businesses having issues engaging consumers with push notifications should revamp their mobile marketing strategies.
Mobile Marketing Campaign Tips
Whether you are looking to revitalize your push notification strategy or are otherwise working on a new mobile marketing campaign, consider the following tips to help you get the most from your efforts:
Make push notifications work for you…. and enjoy the results.
In many rural places of the world that have shortages of food, such as the Democratic Republic of Congo (DRC) where one in 10 people do not have enough to eat, the Word Food Programme (WFP) relies on food monitoring systems operated via mobile technology. In the Democratic Republic of Congo, which is the second-largest country in Africa and a land filled with fertile soil and abundant rivers, food insecurity or “the availability and adequate access at all times to sufficient, safe, and nutritious food” remains a concern and a crisis.
The Democratic Republic of Congo has been involved in wars and rebellions for the last 20 years or more. Like countries in similar circumstances, it has had its entire food system disrupted and much of its population displaced. The WFP is using new mobile technology to monitor, and provide, food in these vulnerable communities. It has been using smartphones and voice recognition software to collect food security information on a regular basis since 2014.
Vulnerability Analysis and Mapping (mVAM)
Vulnerability Analysis and Mapping (mVAM) is a project that 15 countries throughout the world have implemented to monitor food security. The first pilot for the program took place in Eastern Democratic Republic of Congo, and its successfully been replicated in Mugunga III, which is a site that hosts more than 4,600 people near Goma. These early mobile data collection projects in DRC will likely be copied in other areas of the province, in the months ahead, and food price collection information will be introduced throughout the nation.
The primary goal of mVAM is to gather data on food access, price, consumption and coping mechanisms (per household level) remotely. This allows the WFP to access food security in a specific zone in a better way, and it lets the organization provide emergency help if possible. Each month, WFP employees Jean-Marie Kaseku and Mireille Hangi call nearly 300 respondents who live in Mugunga II, and they ask them several targeted and specific questions. They want to know exactly how many days out of the last seven they ate protein, fats, and cereals. They inquire about what coping mechanisms they used if they did not have enough food to eat. They hope to find out if individuals had to borrow money to eat, reduce rations so all family members could eat, or decrease daily meal intake.
Remote Data Collection Proves Easier
In countries where infrastructure, like roads, has been damaged, it’s often difficult to know if populations are eating and thriving. Without a means to meet face to face for interviews, remote data collection proves more flexible. This method for gathering data is also more cost effective and quicker. Compare a phone call and technological analysis of data to other methods, such as in-person interviews that cost $20 to $40 per family or transcription of those meetings that might take four to six weeks.
The WFP project is particularly useful in areas of extreme vulnerability and illiteracy. With the mobile food security data collection project, the WFP is able to understand at a more effective level what people need and how to get it to them.
Use of mobile technology in U.S. hospitals is growing fast. Some of the largest hospitals in the United States have now turned to mobile technology as a primary means of communication.
Use of mobile technology in U.S. hospitals is growing fast. Some of the largest hospitals in the United States have now turned to mobile technology as a primary means of communication. These big healthcare facilities are already using mobile health apps and other tech platforms, or they’re planning on it, says a survey put out recently by mHealth consulting firm, Spyglass Consulting Group.
The group surveyed 19 major hospitals in the U.S. and found that 63 percent of them had an mHealth communications platform in place that would support at minimum 500 web-enabled devices, or that they had intentions of employing such a platform in the next 12 to 18 months. The reach for each would be at least 500 mobile devices and smartphones, but some could connect with more than 5,000 devices.
Hospital mHealth strategies and plans put doctors, and patients, in communication with one another through mobile technology. Gregg Malkary, Spyglass founder and managing director, says that mobile devices like smartphones are now replacing desktop computers, landline phones, and pagers as a preferred means of communicating and accessing patient data. The mHealth apps and technology allow for retrieval of important information, and response to pressing matters, from any location at nearly any time.
With the integration of mHealth mobile technology into a hospital’s day-to-day routine, physicians, nurses, pharmacists, financial personnel, information technology professions, and ancillary care workers are all able to come on board to best support the care of patients. Patients today are looking at their healthcare options as they would any other choices in any other industry. They’re checking out what hospitals offer and assessing which ones will ultimately make their care easiest. This means they’re often choosing to get treatment done at hospitals that communicate seamlessly between departments, which is where mobile health technology can come in.
Of course, having access to easy communication and patient data retrieval is not all that’s required when implementing a mobile health technology system. Security and system reliability are crucial. At the 19 big hospitals surveyed, patients and doctors are finding that these needs are being met across the board, throughout the hospital’s departments. From radiology to housekeeping, different professionals at the facilities have their needs met with the current mHealth platforms.
Spyglass also reported that 83 percent of people surveyed said they required a mobile health communication platform that was comprehensive in scope, meaning it worked for them inside of the hospital and out. Seventy-eight percent thought that, for any mHealth platform to succeed, it would need to have a tightly integrated IT infrastructure and be available on a large scale. Out of all the respondents, 50 percent said that the existing tools available to them offer limited options for reporting and analyzing data.
Malkary stressed that all of the U.S. health provider organizations reported that any smartphone communication system considered would need to be highly reliable, easily manageable, scalable, and support the critical mission of patient communication.
Text messaging has become a way of life and a primary means of communication, so it is no surprise that the use of text messaging in healthcare has been growing. Even our doctors are now sending us texts regarding prescriptions and other matters concerning our health care. For many, this type of communication is well received and easy to engage in. But with the new convenience comes the need to make sure that mobile messaging is Heath Insurance Portability and Accountability Act (HIPAA) compliant.
The Pew Research Center says that almost two thirds of people in the United States own smartphones, which means there’s a good chance that patients and doctors are used to communicating via text messaging. Both of these groups likely feel comfortable exchanging SMS messages in the course of discussing patient orders and treatment. But in a healthcare setting, SMS service takes on extreme importance.
The Joint Commission recently said it’s acceptable to use text messaging to submit patient orders, within certain parameters, but it cautions that critical steps are needed to remain HIPAA compliant. Firstly, it says that in order for text messaging regarding health to be compliant, people must be happy with the service. According to Al Villarin, MD – a CMIO at IT consulting firm Burwood Group – compliance begins with a contract between the clinical and the technical. To remain compliant, any healthcare tool must fit easily into an existing workflow and be well received by everyone in the loop.
Burwood Group executive director Tim Needham, who oversees healthcare solutions delivery practice, agrees and says that new communications systems succeed only if they can involve the entirely of the participants. Physicians, therefore, must only use technology – in this case SMS services – if they deliver value and are efficient. Otherwise, healthcare practitioners and patients will revert back to the default methods that they know.
To remain compliant, it’s important that healthcare facilities and professionals carefully screen potential SMS services to make sure they offer secure communication systems and ease of use. Thankfully, most vendors in this area have focused on security and ease – and therefore HIPAA compliance – for the last few years. They’ve developed tools that seem to be well adopted across departments. Still, finding those sms services that the entire industry takes hold of is another story. This has been difficult; the potential is there to make healthcare communications more organized for all professionals and patients.
As part of the HIPAA compliance evaluation process, it’s imperative that each hospital and physician’s office take the time to analyze the effectiveness of its mobile communications – and then make necessary adjustments if needed. A tool is only as good as its ability to serve the people, and compliance is most likely found when it can be proven that all parties feel satisfied with the service used.
Data collected from multiple recent studies show that SMS messages can help smokers kick their habits. Research focused on smokers receiving encouraging messages like “Be strong” and “You can do it!” revealed that these text interventions are helpful in getting smokers to abstain.
The researchers behind the study used meta analysis, a technique that combines findings from many independent studies, to arrive at their conclusion. The scientific team analyzed 20 manuscripts that documented 22 SMS messaging interventions dealing with curbing smoking in 20 countries. It sought out information about how mHealth text messaging – with a specific health issue in mind – could directly impact decisions made by individuals that could positively impact their states of wellness.
mHealth Via SMS Service to Meet People Where They Are
Receiving a personalized message regarding a health issue might be what it takes to get an individual to finally make the connection that choices are contributing to sickness. This is the focus of the mHealth text messages that are delivered straight to those who have agreed to participate in the trial. The SMS messages are short, direct, and supportive comments that remind receives about poor health choices and offer education. They’re messages a friend might send, and more.
The SMS interventions ideally will be adapted to suit the participants’ lives and natural environments. They’ll be on-point, regularly scheduled, convenient reminders to take immediate action toward smoking cessation (and hopefully other bad lifestyle choices in the future).
More Research and Trials are Needed
The study’s lead researcher, Lori Scott-Sheldon from Brown University, says that the evidence revealed in the trials provides inarguable support for the effectiveness of SMS messaging interventions. She offers that these messages have absolutely reduced smoking behavior, but more research is necessary to understand exactly how the interventions work, why they work, and under what conditions they’re most effective.
The Journal of Medical Internet Research published the study. Scott-Sheldon added that tobacco use is a preventable health issue and one of the leading preventable concerns. This is why, she purports, text messaging shows such promise. The SMS services are low cost, they’re able to reach a wide audience, and they don’t take many resources to implement. The mHealth messages, Sheldon-Scott says, should be a “public health priority” so that smokers can get the intervention they desperately need.
Since SMS messaging has reached near-market saturation, it makes sense that the technology be used as an easy, cost-effective, and direct means to get health information out to the public – and to hopefully influence individuals in a way that creates immediate positive changes in their lifestyles.
There are not many groups in the United States, or in the world, who do not have access to text messaging, and therefore the potential for an SMS service like the stop-smoking texts is great. A senior research scientist at The Mirian Hospitals Centres for Behavioural and Preventative Medicine, Beth Bock says that widespread availability of a good stop-smoking program can make a powerful statement – and impact – on public health.
Android mobile device users in the UK have a serious potential problem to deal with: Marcher malware. Marcher is a destructive piece of malware that steals banking usernames and passwords, and cybercriminals are using it to steal phone users' private information.
Marcher malware has been ripping off Android users’ logins since 2013, when the cyber fraud program entered the underground forums for Russian speakers. In the beginning, the malware only went after credit card info by overlaying a phony screen on the Google Play store, which asked for credit card numbers, expiration dates, and codes from users. Then it targeted large banks and financial services, focusing on companies in Germany.
The evolution of Marcher malware now threatens those who bank with financial companies in Germany, the UK, France, Austria, Turkey, and Australia. Marcher only attacks Android devices; there are no reports of an iOS Marcher malware version.
Marcher Malware Has Specific Targets Within the Android Market
Android users who have the popular KitKat, Jelly Bean, and Lollipop versions installed on their mobile devices are among those hardest hit with the Marcher malware infection, according to Check Point security company researchers. These users have frequently been receiving phishing emails that purport to be a Flash update. After users click the links in their emails, which they think will let them upgrade their OS and safeguard their devices against identity theft and data loss, Marcher’s process of devastation starts.
The three-step road to havoc involves deception and trickery, as users are coaxed into enabling the installation of the malicious app (outside of the Google Play store) and installing it, which leads to the fake overlay screens popping up on bank apps to gather personal information. These overlays are made to look like necessary components of users’ approved banking applications. Check Point says that they’re easy to create and often programmed by individuals that the original malware operators have outsourced.
Banking Apps Are the Target, But Not the Only Victim
About 88 percent of the apps that Marcher targets are banking applications, but this malware also goes after airline, ecommerce, and payment system apps. The primary goal of the malware is to steal login information, which allows easy access to personal information, funds, and more.
IBM says that Marcher’s capabilities turn users’ mobile devices into tools that can harvest authentication elements and credentials whenever the criminals’ needs arise. When a mobile phone or tablet becomes infected with Marcher, those who control the malware can continue to send text messages encouraging users to go to their mobile banking apps and give up private details. This is often done by sending an SMS message that claims money has deposited into a user’s account.
IBM states that users are typically curious, and that they follow up on the SMS message by checking their accounts right away for the unexpected transfers. Unfortunately, the fake overlay is waiting for them, and it steals their banking credentials. This is possible because the Trojan hijacks the text message, and it fetches for overlays that match a long list of banking apps that the user might have on his or her device.
These deceptions are just a couple of the ways that Marcher is creating mayhem for Android users. As is true with other malware programs, a crucial way to avoid the devastation is to carefully monitor the SMS messages that arrive on your mobile devices. IBM suggests that Android users not follow any URLs from text messages or emails that offer unexpected perks, bonuses, problems, or tools. It’s best to treat these messages with extreme caution, and to delete them immediately and follow up on issues of concern by phone or on a separate device.
The Joint Commission text message ban has now been lifted. The Joint Commission - the largest healthcare accreditation body in the United States - announced last month that it will start allowing physicians to make patient orders via text message. The move is a huge victory for MHealth advocates.
The news was happily received by healthcare providers, who see text messaging as the most efficient and reliable method of communication, and mobile technology developers who can access a potentially huge new market. For both groups, this feels like a long-overdue update to regulations that have hobbled natural progress towards emergent technologies that will ultimately benefit patients.
The changes were made in response to a 2011 FAQ document issued by the Joint Commission, which stated that text message orders were prohibited due to security concerns. In a dramatic reversal of that position, the Joint Commission text message ban has been lifted and text messaging is now permissible, within certain parameters.
What are the Parameters?
Changes to the regulations reflect a shifting culture in which SMS is the communication platform that most people feel comfortable using. But it’s not open season; the new guidelines don’t simply allow clinicians to send text messages to anyone as part of their job. The Joint Commission has provided a number of specific requirements for organizations using SMS:
The Joint Commission also recommends that healthcare providers closely track and document the capabilities, limitations and uptake of their SMS platform, and develop a risk-management strategy.
Doctors - like everyone else - have come to rely on smartphones as a tool for optimizing their time and improving communication. Unlike everyone else, the information they need to share is sensitive and highly personal; security is paramount. The healthcare industry is subject to strict regulations, and any new legislation takes a long time to draft, pass and enact. The legal process moves - necessarily - as slowly as it ever has, but technology changes at an ever-increasing rate (subject only to Moore’s Law). This developmental dissonance means there is a significant lag between technology becoming available to consumers, and being ready for use by industries dealing with their private data.
Thankfully, mobile communication legislation is beginning to reflect the realities of the modern world - and this can only be a positive thing for the healthcare industry and all who rely on it.
Today’s young adults aren’t letting go of their phones so much as letting go of the idea of talking on their phones. That’s the growing takeaway from many recent reports that suggest millennials believe texting is more efficient than talking.
New data from the OpenMarket revealed that 76 percent of millennials would rather lose calling options than texting, and that texts are “more convenient” to their lifestyles.
When it comes to business purposes, most millennials find that receiving texted reminder for payments, appointments, and special promotions is “helpful.”
A poll by Gallup also confirmed that text messaging outranks phone calls as the dominant form of communication among millennials, with 68 percent of 18 to 29-year-olds saying they texted “a lot” the previous day. In the last couple of years, monthly texting among this age group has more than doubled.
So, why are millennials so keen on text messaging? Here are six reasons why millennials won’t pick up the phone.
Call Are Presumptuous
One reason is that many see phone calls as overly intrusive or even presumptuous. Phone calls presume that a person needs to drop everything to adhere to another’s agenda. Texting, like email, is a passive form of communication that doesn’t require real-time interaction.
Situation Dictates Communication Style
Young adults choose texting as their everyday form of communication. If something exciting happens, such as a wedding or vacation, millennials decide to share that special occasion via Snap Chat or Instagram. But if the subject is serious enough, they will surely pick up the phone.
Text Threads Are Like Conversation
Today’s smartphones utilize a system of texts that plays out like normal face-to-face conversations. The folks who talk a lot also text in longer threads. The people who are succinct don’t. If you’re a chatterbox in real life, your phone doesn’t have to slow you down.
No Need for Privacy
With social media being such a huge aspect of their world, millennials don’t really care about privacy. In fact, many of them will take part in large group texts to get more input, so even the idea of 1:1 privacy has become an archaic concept.
While on the topic of group texts, note that millennials use group texting to make plans with friends. It’s convenient and also quick.
Phone calls require a lot of airtime and beating around the bush to get to the point of the message. Texting requires individuals to put thoughts into words, enabling them to share only the essential details and get straight to the point.
If you want to tap into the major market of millennials, you’re going to have to utilize text marketing. Thankfully, our professional marketing team at EZ Texting can provide you with the necessary tools and tips to properly engage these young consumers.
Contact us today by calling (800) 753-5732 to learn more.
Each year, nearly 800,000 people experience a new or recurrent stroke—an attack on the brain caused by a loss of blood flow, which can result in disabilities such as memory loss, speech impairment, and limited mobility.
During a stroke, brain cells lose the blood flow they need to stay alive. When brain cells die, it can cause permanent disability, depending on how serious the stoke was and in what area of the brain blood loss occurred.
More than two-thirds of stroke survivors will experience some type of disability. For patients recovering from a stroke, therapy is one way to improve the cognitive functions that are often disabled after a serious attack.
In a recent study conducted by Constant Therapy, researchers found that stroke survivors who engaged in at-home therapy featuring customized brain rehabilitation software, like an app, increased their cognitive, speech accuracy, and processing speed during recovery.
Each stroke is different, and each survivor will need different therapy to reconstruct or reconfigure the areas of the brain that suffered damage during the stroke. Constant Therapy has designed an app that allows doctors and caregivers to customize the treatment plan to focus on the different brain areas that control specific brain functions.
The company analyzed 20 million therapy exercises, as well as 100 million data points. Combining this big data with a mobile platform will continue to improve the customization capabilities of the mHealth program.
“The more data we collect, the better our algorithms become,” said Keith Cooper, CEO of Constant Therapy.
Plus, having the therapy available in an app, and for various mobile devices, allows patients to maintain therapy programs at home, not just while they’re in the hospital.
Stoke survivors that incorporated at-home therapies, like Constant Therapy’s app, received 5 times more therapy than those only receiving therapy at a clinic.
The more survivors engage with the app, the faster and more thorough their recovery. Processing speed in language and cognitive exercise increased more than 80 percent for patients who completed more than 500 experiences on the mHealth app.
Commonly referred to as mHealth, mobile technology affords both providers and patients more control over their wellness plans, before and after a catastrophic event like a stroke, heart attack, or other serious medical emergency.
In fact, it’s estimated that the mHealth solutions market will be worth nearly $60 billion by 2020. This includes an explosion of growth in a number of mobile services focused on monitoring, managing, diagnosing, and recovery therapies for patients and providers.
The risk of stroke can be reduced by regular exercise, eating well, not smoking, and monitoring blood pressure and cholesterol. Unfortunately, stokes can happen to just about anyone without warning.
The good news is that we’re getting better at helping survivors get back to normalcy. And with mHealth solutions, you can engage in these treatments from the comfort of home.
The role of mobile in microfinancing appears to be growing, which isn’t particularly shocking. Mobile finance solutions are increasing in popularity due to the ability to perform banking actions with the mere touch or swipe of a smartphone, and many microfinance institutions have implemented m-banking platforms to reduce costs, improve customer service, and extend their reach in rural areas.
Microfinance institutions offering m-banking provide services such as loan repayment, account balance checks, and voluntary savings deposits. Countries that already feature mobile money networks find m-banking provides microfinance clients with the flexibility they want to manage deposits and payments, resulting in money saved and improved financial security.
M-banking has also proved helpful to women in the developing world, as they frequently do not have formal bank accounts, and yet are often responsible for overseeing their families’ finances.
Limited capacity and costly operational expenses are among the issues plaguing many microfinance institutions. Mobile finance solves these issues by allowing for microfinance service offerings on a cheaper, more efficient scale. Additionally, MFIs act as agents for mobile network operators and banks. This subsequently allows microfinance institutions to educate themselves on mobile finance options, minus the outrageous investment costs.
Another benefit is the ability to take advantage of mobile phone penetration in the absence of an m-banking network. MFI clients can use their phones for non-cash purposes.
MFIs interested in using mobile banking options also do so with the intention of drastically improving operations by reducing service delivery costs and cross-selling their other products. This is designed to substantially increase efficiency.
Financial technology, or ‘FinTech,’ could potentially revolutionize economic situations in many African countries. More than two-thirds of the population of sub-Saharan Africa owns cellphones, but only one-third has bank accounts. Cash is still the main currency, yet more and more startup companies are putting their marks on the financial landscape.
African FinTech companies include M-Pesa, the Kenyan money transfer system used all over Africa, as well as 22Seven, the Cape Town-based mobile app that links to user bank accounts and makes it easy to track spending, make investments, and create customized budget plans.
Nomanini is another option. The wireless device looks like a game console and links cloud service software so informal vendors can process transactions easily from any location. Zoona is yet another African financial service that transfers money via cell phones. Other financial tools and services include Cellulant and GetBucks.
Bitcoin is a form of mobile money featuring no tradable or inherent value and is therefore a welcome addition to Africa’s financial options. Currently BitX is more popular in Southeast Asia than Africa, but it’s entirely possible that it will catch on among African nations, especially given its African bank origins.
What does it all mean? Mobile money is a viable option applicable the world over. As long as mobile banking and financing options are safe and secure, their popularity is highly likely to increase.
The Missouri Department of Transportation (MDOT) and other “next generation” government agencies are leveraging mobile technology to save taxpayers serious sums of money. Government agencies are notorious for wasteful spending, but various departments of transportation are taking cues from the Jefferson City, MO, location, as it’s become the model and standard for saving taxpayers millions via new technologies.
Mike Miller, the assistant information systems director for MDOT, told Forbes magazine all the way back in 2012 about his department’s clever use of mobile maps. MDOT had to close two major interstate highways that year, and instead of shutting them down for “eight years” while keeping two lanes open and endangering workers, the department opted to provide residents with mobile maps and apps so they could drive around the freeways. That one decision saved MDOT more than $100 million in taxpayer funds.
MDOT’s former head Peter Rahn suggested an ambitious plan to save taxpayers $500 million over five years. According to Miller, the department is ahead of schedule with plan implementation, as it began work in 2010 and has already met 70 percent of its goal. Among the efforts to make the five-year plan a success are using vans equipped with video cameras that film road roughness and allowing residents to rate them. MDOT subsequently fixes the affected road as soon as possible.
Other actions in the five-year plan include having every MDOT building and roadside access point feature wireless capabilities for employees, so no one wastes time trying to find information. The department utilizes its social media channels to provide people with updates and news, cutting communication costs. MDOT uses SharePoint to manage its records and maintain 33,000 miles of road and thousands of bridges. SharePoint use has saved the department a great deal in oversight and project management costs.
These are only a few examples of how MDOT is reducing costs with mobile technology.
Another tech innovation saving DOT organizations and taxpayers big money is e-Construction tools. These tools are defined as processes and technology that eliminate paper use, with examples including the digitization of construction documents for distribution to stakeholders through mobile devices. e-Construction was named as a standout tool in a recent Pavia System survey, with 53 percent of DOT respondents saying they adopted e-Construction and 71 percent of respondents noting that they use such tools “widely.” e-Construction has helped build roads, bridges, and highways, and makes for much more timely deliveries. DOT respondents also said e-Construction tools contributed to at least 76 percent of on budget construction project completions.
Representatives for the Idaho, Pennsylvania, and Texas Departments of Transportation all applaud e-Construction tools for their ability to save money and time while increasing productivity and resulting in fewer mistakes.
With so many benefits stemming from government agencies “going paperless,” why haven’t more departments of transportation made these helpful changes? One theory is that such agencies are responsible for long-term obligations unlike private industries, which simply move on to the next project once one is completed. A lack of tools customized for project owners’ specific needs is another possible reason. Regardless, going the “pilot” route and slowly using more and more e-Construction tools will hopefully alleviate these issues.
According to a recent study, worldwide shipments of healthcare wearables will nudge 100 million by 2021, increasing the market’s value to $17.6 billion. If the forecast proves accurate, it will represent a staggering 135% annual growth rate.
Wearable technology is finding the perfect home in hospitals, clinics and doctor’s surgeries the world over. It’s a relatively recent shift in emphasis for healthcare providers, and many are still finding their feet within the digital landscape. But those who have grasped the potential of wearables, mobile technology and other digital health solutions have found it’s helped them make care more efficient, expansive and affordable.
The most penetrating breakthrough has been in the form of monitoring and controlling patient outcomes - often with technology as simple as mobile messaging. Diabetes, heart problems, asthma - countless common medical conditions can be managed with the help of mobile messaging.
Despite the promising growth forecast, the wearable device market still faces a number of challenges. Many cash-strapped healthcare providers are reluctant to invest until they can be more certain of the long term benefits - an understandable misgiving in an age when so much ‘new’ technology is rendered obsolete within a couple of years of being launched. Some healthcare providers are also concerned about the task of aggregating and analyzing huge volumes of data in a way that will give them valuable insights into patient behavior. Mobile healthcare analysts believe this attitude will change as platforms become more widespread and user friendly.
Then there are the patients themselves. The report found that there were issues regarding the cultivation of consumer trust in wearable technology, with a significant number of respondents saying they didn’t believe in the accuracy of the sensors, or that a device could truly deliver medically relevant information. There are concerns too about elderly patients’ reticence to use smartphone technology, or to get behind the concept of ‘remote treatment’ at all.
Nevertheless, as the market grows, so too will the competition. The more developers get into mHealth, the better it will become, and as more data is gathered, public confidence in wearable technology will grow.
As banks and retailers try to avoid credit card fraud by turning to technologies like chip-enabled cards, mobile wallet technology is still not being embraced as much as it should be.
Recently, banks launched their defense against credit card fraud by leaving the ramifications of fraudulent charges for the merchants to deal with. Merchants have thus been upgrading their equipment to accept credit cards with chips in hopes that the new and more secure technology will keep their customers’ account information secure, and customers coming back to their stores.
The problem with chip-enabled credit cards is that they’re slow to process. In the restaurant business and other industries that rely on being able to provide prompt service, seconds can add up and matter.
Imagine a grocery store clerk having to wait up to ten extra seconds for a chip-enabled credit card to process before it signals the receipt to print. Think about the frustration the clerk might endure and the delays the customers might experience. Why is this new and improved technology so slow? It has to do with the security processes. And while enhanced protection is a good thing, we think there are better solutions.
When a customer slides a chip-enabled credit card into the machine’s slot, the chip generates a one-time code that is sent to the bank over a secure network. The bank then confirms the code and sends the verification back to the machine; the customer is then able to walk off with goods or services.
Instead of waiting eight seconds for a chip-enabled credit card to process, customers with iPhones, or Samsung or Android smartphones, can use mobile wallet applications at many retail locations to check out quickly. Apple Pay and Samsung Pay take about three seconds to process a transaction. Android Pay takes around seven seconds. We’ve even heard accounts of some mobile wallet processing taking only 2.4 seconds.
Granted, the length of time required to process chip-enabled credit cards is due in part to the fact that you have to insert the card, wait until the transaction is approved before signing, and then remove the card. It’s not the processing itself that takes all the time. But, with mobile wallets, all you have to do is have your app ready, tap, and scan. Of course, not all merchants take Apple Pay, Samsung Pay, or Android Pay. So, you’ll have to check for these logos on the merchants’ cash registers or research ahead of time to see which ones use the services.
Samsung Pay is the mobile wallet that’s accepted by most merchants, because it makes use of magnetic secure transmission. This mobile wallet technology produces a magnetic signal that acts like the magnetic strip on traditional credit cards, which means most credit card machines can read it. More banks support Apple Pay than Samsung Pay or Android Pay. Android Pay’s advantage is that it can operate on Android devices, Samsung phones, and even iPhones and Apple Watch.
Staying on top of security, technology, and other aspects of life comes down to looking ahead and trying to predict where things are going, not focusing solely on where things are now. Hence, it might be best to ditch the old credit card solution for good in favor of mobile wallet technology, which can be used securely on the devices that seem to run so much of our lives.
A new iPhone app called mPower is giving scientists more insight than ever into the capacities and challenges of people living with Parkinson’s. Nonprofit Sage Bionetworks is a biomedical research organization that collected an unparalleled amount of data through its mPower app, which included a dataset comprised of the daily experiences of more than 9,500 Parkinson’s sufferers. This dataset offers more valuable information than any other study on Parkinson’s has provided, as it takes into consideration millions of data points that were collected on an almost continuous basis through the mhealth (mPower) platform.
Sage Bionetworks says that its researchers, through the use of the mobile technology marvel mPower, have received an unprecedented look into the activities and day-to-day changes that Parkinson’s sufferers experience as they deal with their condition.
In the past, Parkinson’s researchers typically relied on small-group studies and data, which included participants in only about the 100-person range. With mPower, scientists are able to view and study data on a larger scale, and the scope of the research is giving more clues as to how Parkinson’s sufferers deal with challenges and treatment pertaining to speech, dexterity, memory, gait, and balance.
The mPower app collects data on the abilities or disabilities of Parkinson’s sufferers in a variety of ways, all with the intent of helping the estimated seven-plus million people living with the disease improve speech, put an end to tremors, strengthen memory, and help other degenerative conditions.
The app evaluates dexterity by asking users to do a speed-tapping exercise, which the iPhone’s touchscreen turns into data for researchers. To measure speech ability, users talk into their iPhone’s microphone and record their pronunciation of vowels (and other difficult parts of speech) for 10 seconds. They also use mPower to track their medication intake and to see if abilities improve after taking the drugs.
The mPower app gathers data, and scientists and doctors use it to research Parkinson’s on an ongoing basis. Participants using the app are able to control who sees their data, and intended data researchers include mPower-affiliated doctors and scientists, as well as specified researchers worldwide.
The data collected has already helped researchers view symptom variations that could assist them in intervening in ways never before considered. The mPower app, along with additional text messaging health services that encourage people to stay in communication with doctors regarding their health, has the potential to offer big breakthroughs in Parkinson’s treatment and the treatment of other diseases.
Paging a doctor or physician has been the primary means of communication in hospitals for many years. If you’ve been to a hospital, or watched your fair share of General Hospital or Grey’s Anatomy, you know how this goes. But there are a lot of breakdowns and loopholes in this process; understanding and closing these gaps was what one study set out to do, by integrating secure text messaging.
The Perelman School of Medicine at the University of Pennsylvania conducted the study, which was recently published in the Journal of Internal General Medicine and authored by several physicians, including Mitesh S. Patel, MD, MBA, MS.
The study included more than 10,000 patients at the Hospital of the University of Pennsylvania and Penn Presbyterian Medial Center; both facilities participated in the yearlong study that took place between 2013 and 2014.
In addition to discussing the importance of closing these time-sensitive gaps in coordination, the study concluded that better communication resulted in reduced time at the hospital for most patients; patients whose care teams used the secure text messaging systems left the hospital .77 days earlier, according to the report.
Until recently, email and SMS text messaging platforms were strictly prohibited by hospitals. Most platforms didn’t offer the security features needed to align with current regulatory polices. But as mHealth and mobile communications have developed, many of these issues have been resolved.
The advancement of mobile technology, smartphones, and wireless communication preempted a lot of issues in the healthcare industry. According to Dr. Patel, it’s about time the medical field caught up with the 21century.
“Many forms of communications within the hospital are shifting mediums in part due to the rising adoption of smartphones and new mobile applications,” said Patel.
Until this study, whether hospitals were using mHealth platforms like SMS or not, most physicians were unaware of any link mobile technology might have with the real time a patient spent in a hospital. Thanks to Patel and the co-authors of the study, that link has been significantly illustrated.
“Healthcare innovation is more than just using the newest smartphone app,” explained co-author David A. Asch, MD, MBA. “It involves carefully designed implementation and thoughtful evaluation of its impact on clinical care.”
Medical teams can use these secure text-messaging programs to communicate in groups with various healthcare providers simultaneously. They can share data and patient history and gain more immediate access to information. Less waiting for the doctors means less waiting for the patient, freeing up hospital beds that are already in short supply.
Using mHealth devices and technology is the most likely solution for many issues currently faced by our healthcare system. It’s likely that future studies will illuminate even more ways in which these devices affect patient care and treatment plans.
In 2016, global business to consumer e-commerce sales is expected to reach $1.92 trillion. As impressive as this figure from Statista is, that’s millions of lost in-store experiences and missed customer service conversations. In an age of convenience, it can be easy to forget about what you might be missing.
Many shoppers enjoy walking down the aisles of large retail stores, checking prices and talking to people. They also like to touch the things they plan on buying. For every gained purchase online, a material purchase is lost, which has raised the stakes considerably for brick-and-mortar retail locations. If ever these stores needed a hero, it would be now.
Who would have guessed that mobile technology could be that hero? The use of mobile technology in retail stores could save many from going out of business and help them keep pace with online shopping trends. Here’s how mobile technology is changing the retail game in a world full of online shoppers.
Often, it’s faster to ask someone a question, make a suggestion, or compare two products than it is to find credible answers online. In fact, digging around on the Internet is almost more time-consuming than driving to the store in the first place.
Now, imagine all sales associates have smartphones or tablets that can locate what you want anywhere in the store. They can give you a price check, compare prices, and tell you where else you might find what you’re looking for. This is the direction mobile technology is heading, as physical retailers scramble to catch up on the super-highway. By empowering employees to help customers, mobile saves time while providing people with truly authentic service. Plus, shoppers get to walk out of the store with their merchandise in tow—no delivery time needed.
Additionally, mobile technology will help retail owners save money by increasing the overall productivity of employees. In addition to customer service, mobile technology allows sales associates to manage inventories, place orders, receive shipments, take phone calls, and more. This also eliminates a mountain of paperwork and makes organizing data much less complicated. More people can do more work in a shorter amount of time.
Creating a network of employees working on mobile devices can also cut down on long checkout lines (especially during the holidays). The mobile Point of Sale (mPoS) is all about being ready the moment a customer agrees to make an in-store purchase and having an associate there to swipe the credit card. If that same customer walks to a long checkout line, they may decide not to wait. That’s a lost opportunity that’s likely to wind up somewhere online.
Shop owners can take some of those lost sales back by using mobile to capitalize on every possible sale.
The good old days we remember, when the Internet had yet become an e-commerce mecca and flashing banner ads were so bad they were good, are gone. To keep pace with all the sophisticated technology that keeps online shoppers coming back for more, brick-and-mortar retailers have no choice but to fire back with mobile.
The latest iPhone text message scam is easy to fall for, and if you do, you risk scammers gaining access to your Apple ID and any information you have associated with it.
If you own an iPhone and you receive a text asking you to confirm your Apple ID, and password, be very leery of it. Don’t act without researching, no matter how legit it appears, because it might be the latest text message scam targeted specifically at iPhone users.
The text message goes something like this (and it’s personalized, to make it look even more legitimate):
“Dear Vitty your Apple ID is due to expire today. To prevent termination, confirm your details at http://appleidlogin.com.uk - Apple Support.”
The goal of the fake text message is to gain access to users’ private information, not to employ any malicious code on the iPhone. Tech-savvy users might spot right away that this message is phony, but it can seem completely plausible to those less in-the-know, for instance mom or dad. So, protect yourself, and share this text messaging scam with your friends and family.
The phishing scam directs iPhone users to a web page that asks for their Apple ID and password. Upon close examination of the circumstances, many iPhone users will realize that their Apple account should not be in jeopardy of being closed. But, sometimes people react without thinking upon receiving a message like this.
It’s critical that technology users stay on top of their IDs, passwords, account expiration dates, and user agreements with various companies. That way, risk of trickery and loss are reduced. Don’t be tricked into believing something a text message tells you will, or will not, happen or you could end up sorry.
This latest iPhone text messaging scam not only urges users to offer up Apple IDs and passwords, but it also asks for credit card information. This should be another clue that the messages are fake.
What is particularly dangerous about this latest text message scam is that it looks rather professional compared to other messages sent by hackers and scammers. There are no spelling mistakes, and there is no awkward language. It’s a simple request that appears quite like actual messages Apple would send.
If you receive this message, or anything like it, give careful consideration to its legitimacy. Don’t give out personal information to any site that you arrived at via text message link. Instead, go directly to a company’s website, log in with your ID and password, and see if there are actions you must take regarding your account from there.
Kenyan retailers might not have fully adopted mobile communications to fuel their business activity, but they are embracing it, and mobile shopping growth in Kenya has been reported. The use of mobile technology is on the rise when it comes to marketing campaigns. A recent Nielson study conducted on Kenyan retailers and their use of technology revealed that mobile usage in the past has been significant. Moreover, more companies are slowly turning to mobile marketing concepts.
The Neilson research group conducted face-to-face interviews with 300 retailers across many spectrums and service channels throughout Kenya. The results show that, right now, most retail business is done in the country through direct communication and transactions. In fact, 96 percent of consumers in Kenya prefer to pay retailers with cash, and 88 percent of them prefer in-person communication. They also like to see new products firsthand.
The Promise of the Mobile Market
Even though retail businesses in Kenya today seem to under-utilize mobile technology—just 12 percent of customers use mobile money to pay for goods—Nielson East Africa MD Jacqueline Nyanjom, says, “In a country with 96 percent mobile penetration, the findings are somewhat surprising – but they do point to enormous potential for growth.”
Kenya’s mobile money market is perfect for growth because of how easy it is for people already utilizing mobile technology to make the jump to purchasing goods online. In other parts of the world, mobile money has already been embraced or made great strides. In Kenya, Safaricom’s M-Pesa currently dominates the mobile money market, as small as it is. M-Pesa launched in 2007 and has more than 25-million subscribers, and about 130,000 retail agents use the technology. Countrywide, 43 percent of the Gross National Product flowed through this channel in 2013.
The Future of Mobile Shopping
One of the main reasons that Kenyans rely on cash for purchases is that it doesn’t carry transaction fees. Some shoppers and retailers, however, have expressed concern about the safety of using cash for purchases. Aside from fees, there are few reasons not to convert to the use of mobile money in the retail sector. About 25 percent of retail businesses say that they have not been approached with an offer to use mobile money for purchases, a fact that implies that there is an untapped group of business owners in this market.
Additionally, it seems that the time is ripe to encourage both businesses and consumers to accept mobile advertising and marketing as part of the mix. Companies need to focus on adopting retail apps, mobile coupons, promotions, geo-location deals and ads, and other mobile marketing tools in order to bring exciting new growth to the industry.