Experiences on Mobile-ATM Deployment in a Developing Country

Mobile-Commerce is the latest concept of enabling the financial transactions on mobile phones and hand-held devices. With the rapid development of the society, the M-Commerce applications play a vital role. Mobile-ATM is one such application, enabling the banking services on mobile phones. Even though users have a poor computer literacy, they will be able to use the Mobile-ATM system easily. This kind of application is very useful, especially in rural areas, where accessing financial and banking services is a critical issue due to the distance barriers. Hence this paper discusses the social, economical and technical impact of the Mobile-ATM system, which is developed by the authors.