On mobile devices off-deck applications are much easier to deploy since deployment of on-deck applications can be difficult for the average user. Off-deck applications include SMS, USSD, IVR, WAP, HTML etc. The way this type of application works it the the user submits a request by dialing a phone number, submitting a url from the phone browser or sending an SMS. The server on receiving this request guides the user through the application using menus and prompts for input.
In general off-deck applications are easy to use, but require more bandwidth and this could be expensive. It is critical to look at the cost of communication when building this type of application. The Fundamo mobile banking and payment system supports a wide range of channels and each of these have been tuned to reduce the bandwidth of the communication.
I will look at each channel in more detail in later posts and explain how they work and communicate to the server, but in my next blog I will look at the security aspect of the communication. Security is crucial for m-commerce, m-payments and m-banking systems.
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