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Group-2,

MBA-B,CUIM

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What is Commerce and M-

commerce?ycommerce means the whole system ofan

economy that constitutes an environment

for business

yMobile Commerce is about the purchaseand sale ofgoods and services through the

cellphone with the involvement ofafinancial institution.

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What Does an M-commerce

Includes..??y Travel and Ticketing

y Movie Ticketing

y Billpayments toutility and service companies

y Merchant & RetailTransactions

y MoneyTransfer

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Why m-commerce has more

growth opportunities than e-commerce..?yE-Commerce is limited to PCusers only

yMobile Commerce is open to almosteveryone with a cellphone and mobileconnection.

yMobile usage and ownershippenetration ismore than 4 to 5 times than a PC andgrowing at a veryfast rate.

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Applications of m-commerce..

y Vehiclesy T

ransmission ofnews,road condition etc

y Emergenciesy Early transmission ofpatient data to the hospital

yTravelling salesmeny Direct access to central customerfiles

y Consistent databases for all agents.

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Applications of m-commerce..y Web access

y outdoor internet access

y Intelligent travel guide with up-to-datelocation dependent information

y Mobile banking

y Billpayment services

y M-brokerage services

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How m-commerce is useful in rural

Indiay Currently there are more than 850 million mobile

subscribers in India

yMobile is being largelyused even in ruralIndia

y Its useful in helping the farmers get the informationthey need like government policies and providingbanking facilities etc

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Characteristics of m-commercecharacteristics value added attributes

M-commerce

Mobility

Reachability

Product & servicelocalization

Productpersonalization

convenience

Instant

connectivity

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Financial Inclusion

Availabilityofbanking services at an affordable costto disadvantaged and low-income groups

Focuseson the poorwho do not have formalfinancial institutional support and getting them outofthe clutches oflocal moneylenders.

Mobile Commerce services are evolving rapidly inIndia due to the coming togetherofmobile serviceproviders, banks and payment service providers tooffermore products and secure transactions throughmobile networks.

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UID(ADHAAR)-features It is a multipurposeunique identification cardproject launched byUDAI, a agencyof

government ofIndia. It was established in Feb. 2009.

It aims toprovide a unique number to allIndians and maintain all the basic information

in a database .It is a 12 digit number. It is the biggest project undertaken in the

history in terms ofcoverage.

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OBJE

CTIVES

y To form poverty elevation programs.

y To address the problem ofillegal migration toIndia.

y To monitor the terrorist threat in India.

y Tolink it with various identity databases like driverslicense,ration card, voterID,passports, bank accountsand PAN cards.

y To avoid corruption which exists in governmentoffices.

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Advantages

y It will help toovercome limitations in financialinclusion. TheAadhaar can helppoorresidents easily

establish their identity to banks.As a result, banks willbe able to scale up their branch-less bankingdeployments.

y It helps in eliminating corruption in government

offices

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Logo

y The logo is a sun in red and yellow, which has afingerprint traced across its centre.

y The logo clearly communicates the vision forAadhaar.It represents a new dawn ofequalopportunityfor anindividual.

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Future Aspectsy Infrastructure:The capabilities ofhandset easily support interesting

services and applications.

Entry-levelMobiles today have the same power as manyPCs had in the 1990s.

Also, High QOS (Quality-of-Service) data networks are inplace.

In rural area also,Almost everyone has access to data

services with even the most basic handsets & mobileservice plans.

contd.

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yDemographics and Evolving ConsumerMarket :

The Indian consumer market including a new young

working class with disposable income is growing veryfast.

People live fuller, mobile lifestyles these days, they valueconvenience and have a lot ofthings that they want to do.

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There is a huge opportunityfor brands, creative agencies,

technologyproviders,payment platforms and carriers tobuild the bridge to the future.

For the rural areas alsopeople will get maximumadvantages byM-commerce.

Conclusion:

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