Location-based services A report by the US Federal Reserve March found that 21 percent of mobile phone owners had used mobile banking in the past 12 months. A third of mobile phone users say that they may consider performing some kind of financial transaction through their mobile phone. But most of the users are interested in performing basic transactions such as querying for account balance and making bill Future functionalities in mobile banking[ edit ] Based on the ‘International Review of Business Research Papers’ from World business Institute, Australia, following are the key functional trends possible in world of Mobile Banking. With the advent of technology and increasing use of smartphone and tablet based devices, the use of Mobile Banking functionality would enable customer connect across entire customer life cycle much comprehensively than before. Illustration of objective based functionality enrichment In Mobile Banking: Challenges for a mobile banking solution[ edit ] Key challenges in developing a sophisticated mobile banking application are:

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Daily news It started with exchanging winks, emails, phones dates, It started with a wink!! And then e-mails and then phone calls. We got on so well we just had to meet, even though I lived in the north of England and Sian lived in South Wales, a spark had been lit and distance was not going to prevent us from meeting.

Well we met and to be honest it was love at first sight, I visited Sian and ended up booking a hotel and staying the week! Four weeks later I moved to Wales and we moved in together, this was three and half years ago! This year we left Wales and moved to a farm in Devon, in July we were married!

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Hmnn ……Obasanjo has spoken with uni dimensional vision! What of his own record? OBJ Are you now sorry that you fought so hard to keep Nigeria as one. Ojukwu saw what you are seeing now nearly 50 years ago. You and your cohorts then thwarted it. The sad truth is that you contributed to the mess to a very large extent. Whoever told you that you are good leader.

You instituted godfatherism and are now crying wolf. Isaac Ok, you are worried about the Bola Tinubus generations? Think where your Nigeria is headed with the likes of Fani Kayode. Nigeria was not set up to work except for the governance intentions of the colonial masters. Its not late to dissolve the false union.

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Branchless banking and Contactless payment In many countries, mobile phones are used to provide mobile banking services, which may include the ability to transfer cash payments by secure SMS text message. Kenya’s M-PESA mobile banking service, for example, allows customers of the mobile phone operator Safaricom to hold cash balances which are recorded on their SIM cards.

Cash can be deposited or withdrawn from M-PESA accounts at Safaricom retail outlets located throughout the country and can be transferred electronically from person to person and used to pay bills to companies. Branchless banking has also been successful in South Africa and the Philippines. Zidisha uses mobile banking for loan disbursements and repayments, transferring funds from lenders in the United States to borrowers in rural Africa who have mobile phones and can use the Internet.

Eventually, the idea spread and in , the Philippines launched the country’s first commercial mobile payments systems with mobile operators Globe and Smart.

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Dec 05,  · Kenya Moore lets us hack her phone. Find out what app she checked when she woke up this morning and which Snapchat filter is her fave!

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Complex Brains for a Complex World Endocasts of Homo erectus left and Homo sapiens right illustrate rapid increase in brain size. As early humans faced new environmental challenges and evolved bigger bodies, they evolved larger and more complex brains. Large, complex brains can process and store a lot of information. That was a big advantage to early humans in their social interactions and encounters with unfamiliar habitats. The modern human brain is the largest and most complex of any living primate.

Brain size increases slowly From 6—2 million years ago During this time period, early humans began to walk upright and make simple tools. Brain size increased, but only slightly. Brain and body size increase From 2 million— , years ago During this time period early humans spread around the globe, encountering many new environments on different continents. These challenges, along with an increase in body size, led to an increase in brain size.

Brain size increases rapidly From , — , years ago Human brain size evolved most rapidly during a time of dramatic climate change.

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Research illuminates inaccuracies in radiocarbon dating June 5, by Daniel Aloi, Cornell University Sturt Manning cores a multi-century old Juniperus phoenicea tree near Petra in southern Jordan. Cornell University Radiocarbon dating is a key tool archaeologists use to determine the age of plants and objects made with organic material. But new research shows that commonly accepted radiocarbon dating standards can miss the mark—calling into question historical timelines.

Archaeologist Sturt Manning and colleagues have revealed variations in the radiocarbon cycle at certain periods of time, affecting frequently cited standards used in archaeological and historical research relevant to the southern Levant region, which includes Israel, southern Jordan and Egypt. These variations, or offsets, of up to 20 years in the calibration of precise radiocarbon dating could be related to climatic conditions.

Pre-modern radiocarbon chronologies rely on standardized Northern and Southern Hemisphere calibration curves to obtain calendar dates from organic material. These standard calibration curves assume that at any given time radiocarbon levels are similar and stable everywhere across each hemisphere. Juniperus phoenicea sample from Taybet Zaman, Jordan.

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Life is imitating art for Naomi Watts and Billy Crudup. The actors, who play spouses on the Netflix series Gypsy, are now dating in real life, according to Page Six and People. A rep for the year-old actress didn’t respond to Page Six’s numerous requests for comment Monday, and a spokesperson for the year-old actor had no comment. An eyewitness told Page Six the couple “looked happy and were laughing a lot, then left again holding hands.

In Vogue Australia ‘s June issue, however, the actress said she was “single” after her year relationship with actor Liev Schreiber ended in A month earlier, Watts told Red magazine that the idea dating was daunting.

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To Start the Day Kenyan breakfasts tend to be a fairly sparse meal compared to Western ones. Generally, most Kenyans start their day with Chai Swahili word for tea , this is usually very milky and sweet. Accompanying the chai is just a hunk of bread mkate in Swahili and maybe a piece of fruit. Which is a kind of deep fried dough similar to an unsweetened doughnut, that tastes and smells divine.

Drinks and Snacks As tea and coffee is grown in Kenya these are the favoured beverages across the country. Both the tea and coffee is so good, many travellers end up taking some home with them.

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