Today with the incredible speed of the technology it became an important factor for human to cope with this technology and make use of it in a best way. If we look back, in the last decade we notice what impact the tape recorder made for human then by the end of nineties we saw how this generation died and replaced by CDs and DVD, which in fact it started to expire also and replaced by new technologies right now, the same thing about TV, computer, and telecommunication .
One of the major human inventions was mobiles phones which chang
d our world completely.
In its very short life time the mobile made the communication faster and easier.
Right now any ware and everywhere you can contact anyone with just pressing few buttons, and it didnt stand with this it went further and further. It became easier right now to interact in many different ways to the surrounding, things like taking photos, video calls, listening to music and sending file to someone became one of the simplest things in mobiles.
One other example which has a very serious impact on our life is the banking technologies.
The new banking technologies give the ability to human to mange there money in a very flexible and appropriate ways, things like credit and debt cards helped the humanity in a lot of aspects of there life.
Right now you dont need to carry a heavy big wallet in your pocket, you dont need to think on how to exchanging money when you go abroad, you dont need to go to your companys cashier and wait to get your salary been paid to your hand, even when you want to buy something from a store without visiting it, you go online and purchase it, these and a lot of more things are all the advantages of this plastic card which been gifted by the technology to us as human.
In Kurdistan we were behind the rest of the world by decades until 2003, when the doors opened on Kurdistan and we started to bring new technologies to our land, and we had the advantage that we brought the ready made latest technologies, in another word we skipped the experimental periods of the rest of the world and we got the final product on our doorstep.
For example we started to implement the latest mobile technologies, so today the cost of a minute call to anywhere around the world are the same as most of the top leading countries, things happened very fast, the people who lives in Kurdistan dont feel it but when you study these new technologies you notice how we are lucky.
Still if we look to the banking system in Kurdistan we see that we are far behind the rest of the world and is not our fault, because such a system depends on a lot of factors which is not our concern here.
Lets come back to the title of this article and try to understand what means and why we need such a system.
As you see from the title its not Mobile credit card as anyone think about it, its in fact to item been separated by (-).
Mobile which we all know is a device used for communication.
There are some facilities with the mobile telephone device which must highlight.
- Top-up cards: you buy in any shop a card have a pin number on the back you enter
this pin in your mobile, you get the money you paid been transferred to your
mobile to use as credit to make phone calls.
Credit card: a plastic card usually you get it from your bank, when you have an effective account with them, with this card the bank gives you a limited amount of credit that you can spend without having any money in your account and you pay back the amount in a certain period, if you failed to pay it back in that period they charge you interest. There are also other type of cards like (Debt card, Cash card,.etc)
The idea behind this article is to combine both tools and there facilities to be used together.
This is not new and its already been implemented in many countries for example in Japan they use this idea in a very efficient and more complicated way.
As I mentioned that we are lucky that we can use the latest ready made technologies in Kurdistan but before talking about the detail of this technology let us look at some of the advantages, because Im sure the first question we will see is why we need this.
1- People will be encouraged to learn about the banking system
2- No need to carry a lot of cash for shopping
3- The care about the mobile number and personal details
4- The interaction which will be introduced between mobile companies and big retailer
5- The security that you dont carry cash with you.
6- The assurance that your payment was recorded somewhere.
7- Promotions and offers can be given based on the expenditure in more efficient way.
8- The use of the mobile facilities in more appropriate way.
Its time now to get an idea on how this system works, with two examples or two facilities, the first one is the Credit transfer, this is a new facility been provided by some companies, they let you share the money you have with other people and transfer it to them via text massage, with a small fee.
The second facility is to pay for an item by your mobile, some companies right now charge there customers a certain amount of money to pay there monthly internet connection this is done by sending a text message to a specific number and get confirmation via a text reply, then you have your connection activated immediately.
Our idea is the combination of both.
By the agreement between the mobile company and the retailer they can arrange the payment of the purchased items via mobile, and this can be done as follows.
1- After scanning the purchased items for the customer and revelling the total amount to be paid the, cashier will ask about the method of payment, if the customer wants to pay by mobile there depending on the setup agreement of the system it can follow different ways:
The Customer can use there mobile to enter the total to be paid and send a text message to there provider and get the amount deducted from there mobile credit.
The retailer may have a special mobile device that requires the user to enter there ID with the amount required to be paid and the provider confirm on the same device by a text says confirmed.
Other methods are also possible and it can be arranged between the two parties.
2- once the customer paid for there items a record will be registered on the retailer database in which they provide a receipt for the customer and at the end of the sales period they can take this record to the mobile company and get there sales cash back.
3- There are certain things should be arranged also for example the customer should make sure that they have enough Cash in there mobile otherwise they encounter some charges and the sale procedure will not go through. Also the mobile provider should check for the account credit before preceding the sale.
4- Both the mobile and the retailer can make some small amount of charge for this service and it will not effect the customer, for example customers can be offered 1 or 2% discount when they use this method so when they use this method the charge will not effect on there total payment.
5- Retailer will have a very good benefit like :
Prevent the cash problem
Have some record about their customers so they provide promotions
Have a record about what items been sold more and to whom so they service there customer better.
6- The mobile company benefit also by having there services been used widely and provide them with a huge cash flow.
Although in the trail on initial period there will be a lot of problems because of the unsolicited used in our society and the maximum top up card we have right now but this can be changed and they need a lot of assurance from the mobile company for big amount top ups.
In summary using this technology will help the people the importance of keep personal data and caring about there mobiles as will as learning the use of the banking technologies
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