Search results for: mobile maize sheller

Authors: K. Akherfi, H. Harroud

Abstract:

Cloud computing (CC) and mobile cloud computing (MCC) have advanced rapidly the last few years. Today, MCC undergoes fast improvement and progress in terms of hardware (memory, embedded sensors, power consumption, touch screen, etc.) software (more and more sophisticated mobile applications) and transmission (higher data transmission rates achieved with different technologies such as 3Gs). This paper presents a review on the concept of CC and MCC. Then, it discusses what has been done regarding middleware in cloud and mobile cloud computing. Later, it shows the architecture of our proposed middleware along with its functionalities which will be provided to mobile clients in order to overcome the well known problems (such as low battery power, slow CPU speed and little memory…).

Keywords: Context-aware, cloud computing, middleware, mobile cloud.

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Authors: Nael Hirzallah, Sana Nseir

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Merchants are competing to offer the use of mobile payment to encourage shopping. many mobile payment systems were made available in various locations worldwide; however, they have various drawbacks. This paper proposes a new mobile payment system that discusses the main drawbacks of these systems, namely security and speed of transaction. The proposal is featured by being simple to use by customers and merchants. Furthermore, the proposed system depends on a new authentication factor that is introduced in this paper and called by Two-Factors Authentication Plus, (2FA+).

Keywords: Electronic Commerce, Payment schemes, Mobile Payment, Authentication Factors, Mobile Applications.

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Authors: Nathar Shah, Bu Kiat Seng

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Mobile application development is different from regular application development due to the hardware resource limitations existed in the mobile platforms. In the mobile environment, the application needs to be optimized by the developer to produce optimal software with least overhead. This study discussed about performance optimization techniques that are employed in general application development, and how such techniques are performing on mobile platforms through some empirical evaluations on a mobile emulator, Nokia X3-02 and Nokia C5-03devices. The scope of the work is only confined to mobile platform based on Java Mobile edition architecture. The empirical results showed that techniques such as loop unrolling, dependency chain, and linearized getter and setter performed better by a factor of 3 to 7. Whereas declaration and initialization on the same line or separate line did not improve the performance.

Keywords: Optimization Techniques, Mobile Applications, Performance Evaluation, J2ME, Empirical Experiments

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Authors: Vijay Shankar, C.S.P. Ojha, K.S. Hari Prasad

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Maize and Indian mustard are significant crops in semi-arid climate zones of India. Improved water management requires precise scheduling of irrigation, which in turn requires an accurate computation of daily crop evapotranspiration (ETc). Daily crop evapotranspiration comes as a product of reference evapotranspiration (ET0) and the growth stage specific crop coefficients modified for daily variation. The first objective of present study is to develop crop coefficients Kc for Maize and Indian mustard. The estimated values of Kc for maize at the four crop growth stages (initial, development, mid-season, and late season) are 0.55, 1.08, 1.25, and 0.75, respectively, and for Indian mustard the Kc values at the four growth stages are 0.3, 0.6, 1.12, and 0.35, respectively. The second objective of the study is to compute daily crop evapotranspiration from ET0 and crop coefficients. Average daily ETc of maize varied from about 2.5 mm/d in the early growing period to > 6.5 mm/d at mid season. The peak ETc of maize is 8.3 mm/d and it occurred 64 days after sowing at the reproductive growth stage when leaf area index was 4.54. In the case of Indian mustard, average ETc is 1 mm/d at the initial stage, >1.8 mm/d at mid season and achieves a peak value of 2.12 mm/d on 56 days after sowing. Improved schedules of irrigation have been simulated based on daily crop evapo-transpiration and field measured data. Simulation shows a close match between modeled and field moisture status prevalent during crop season.

Keywords: Crop coefficient, Crop evapotranspiration, Field moisture, Irrigation Scheduling

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Authors: Hala A. Alrumaih

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It is widely believed that mobile device is a promising technology for lending the opportunity for the third wave of electronic commerce. Mobile devices have changed the way companies do business. Many applications are under development or being incorporated into business processes. In this day, mobile applications are a vital component of any industry strategy.One of the greatest benefits of selling merchandise and providing services on a mobile application is that it widens a company’s customer base significantly.Mobile applications are accessible to interested customers across regional and international borders in different electronic business (e-business) area. But there is a dark side to this success story. The security risks associated with mobile devices and applications are very significant. This paper introduces a broad risk analysis for the various threats, vulnerabilities, and risks in mobile e-business applications and presents some important risk mitigation approaches. It reviews and compares two different frameworks for security assurance in mobile e-business applications. Based on the comparison, the paper suggests some recommendations for applications developers and business owners in mobile e-business application development process.

Keywords: E-business, Mobile Applications, Risk mitigations, Security assurance.

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Authors: A. Danladi, I. O. Patrick

Abstract:

Particle boards were prepared from Maize cob (MC) and urea-formaldehyde resin (UFR) on compression moulding machine. The amount of MC was varied from 50-120g while 30g of UFR was kept constant. Some mechanical properties of the particle boards were tested using the standard ASM methods. The results show that as the MC content increased from 50- 120g in 30g UFR, the hardness increased from about 6.89 x 10² to7.51 x 10²MPa. Impact strength decreased from 3.3x 10^-2 to 0.45 x 10^-2J/M², while tensile strength initially increased from 2.63 x 10² to 3.14 x 10² MPa as the MC increased from 50 to 60g in 30g UFR, thereafter, it decreased to about 1.35 x 10²MPa at 120g in 30g content.

Keywords: Hardness, Impact strength, Maize cob, Tensile strength and Urea-formaldehyde resin.

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Authors: Hamed Rajabi, Naser Nematbakhsh, Naser Movahediniya

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IP multicasting is a key technology for many existing and emerging applications on the Internet. Furthermore, with increasing popularity of wireless devices and mobile equipment, it is necessary to determine the best way to provide this service in a wireless environment. IETF Mobile IP, that provides mobility for hosts in IP networks, proposes two approaches for mobile multicasting, namely, remote subscription (MIP-RS) and bi-directional tunneling (MIP-BT). In MIP-RS, a mobile host re-subscribes to the multicast groups each time it moves to a new foreign network. MIP-RS suffers from serious packet losses while mobile host handoff occurs. In MIP-BT, mobile hosts send and receive multicast packets by way of their home agents (HAs), using Mobile IP tunnels. Therefore, it suffers from inefficient routing and wastage of system resources. In this paper, we propose a protocol called Mobile Multicast support using Old Foreign Agent (MMOFA) for Mobile Hosts. MMOFA is derived from MIP-RS and with the assistance of Mobile host's Old foreign agent, routes the missing datagrams due to handoff in adjacent network via tunneling. Also, we studied the performance of the proposed protocol by simulation under ns-2.27. The results demonstrate that MMOFA has optimal routing efficiency and low delivery cost, as compared to other approaches.

Keywords: Mobile Multicast, Mobile IP, MMOFA, NS-2. 27.

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Authors: Mohamed Adel Serhani, Abdelghani Benharref, Rachida Dssouli, Rabeb Mizouni

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Nowadays, people are going more and more mobile, both in terms of devices and associated applications. Moreover, services that these devices are offering are getting wider and much more complex. Even though actual handheld devices have considerable computing power, their contexts of utilization are different. These contexts are affected by the availability of connection, high latency of wireless networks, battery life, size of the screen, on-screen or hard keyboard, etc. Consequently, development of mobile applications and their associated mobile Web services, if any, should follow a concise methodology so they will provide a high Quality of Service. The aim of this paper is to highlight and discuss main issues to consider when developing mobile applications and mobile Web services and then propose a framework that leads developers through different steps and modules toward development of efficient and secure mobile applications. First, different challenges in developing such applications are elicited and deeply discussed. Second, a development framework is presented with different modules addressing each of these challenges. Third, the paper presents an example of a mobile application, Eivom Cinema Guide, which benefits from following our development framework.

Keywords: Mobile applications, development of mobile applications, efficient mobile application, secure mobile application.

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Authors: Ayman El Sabagh, Celaleddin Barutçular, Hirofumi Saneoka

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Drought is one of the most serious problems posing a grave threat to cereals production including maize. Maize improvement in drought-stress tolerance poses a great challenge as the global need for food and bio-energy increases. Thus, the current study was planned to explore the variations and determine the performance of target traits of maize hybrids at grain growth stage under drought conditions during 2014 under Adana, Mediterranean climate conditions, Turkey. Maize hybrids (Sancia, Indaco, 71May69, Aaccel, Calgary, 70May82, 72May80) were evaluated under (irrigated and water stress). Results revealed that, grain yield and yield traits had a negative effects because of water stress conditions compared with the normal irrigation. As well as, based on the result under normal irrigation, the maximum biological yield and harvest index were recorded. According to the differences among hybrids were found that, significant differences were observed among hybrids with respect to yield and yield traits under current research. Based on the results, grain weight had more effect on grain yield than grain number during grain filling growth stage under water stress conditions. In this concern, according to low drought susceptibility index (less grain yield losses), the hybrid (Indaco) was more stable in grain number and grain weight. Consequently, it may be concluded that this hybrid would be recommended for use in the future breeding programs for production of drought tolerant hybrids.

Keywords: Drought susceptibility index, grain filling, grain yield, maize, water stress.

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Authors: Majlinda Fetaji, Alajdin Abazi, Zamir Dika, Bekim Fetaji

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The assessment of the efficacy of devised Mobile- Assisted Instructional Modes in Mobile Learning was the focus of this research. The study adopted pre-test, post-test, control group quasi-experimental design. Research instruments were developed, validated and used for collecting data. Findings revealed that the students exposed to Mobile Task Based Learning Mode (MTBLM) in using Mobile-Assisted Instruction (MAI) performed significantly better. The implication of these findings is that, the Audio tutorial and Practice Mode (ATPM) (Stimulus instruments) of MAI had been found better over the other modes used in the study.

Keywords: Mobile-Assisted instructions, Mobile learning, learning instructions, task based learning.

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Authors: JooHyung Oh, Dongwan Kang, Sekwon Kim, ChaeTae Im

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Currently, there has been a 3G mobile networks data traffic explosion due to the large increase in the number of smartphone users. Unlike a traditional wired infrastructure, 3G mobile networks have limited wireless resources and signaling procedures for complex wireless resource management. And mobile network security for various abnormal and malicious traffic technologies was not ready. So Malicious or potentially malicious traffic originating from mobile malware infected smart devices can cause serious problems to the 3G mobile networks, such as DoS and scanning attack in wired networks. This paper describes the DoS security threat in the 3G mobile network and proposes a detection technology.

Keywords: 3G, WCDMA, DoS, Security Threat

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Authors: Y. Cifuentes, L. Beltrán, L. Ramírez

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The availability to deploy mobile applications for health care is increasing daily thru different mobile app stores. But within these capabilities the number of hacking attacks has also increased, in particular into medical mobile applications. The security vulnerabilities in medical mobile apps can be triggered by errors in code, incorrect logic, poor design, among other parameters. This is usually used by malicious attackers to steal or modify the users’ information. The aim of this research is to analyze the vulnerabilities detected in mobile medical apps according to risk factor standards defined by OWASP in 2014.

Keywords: mHealth apps, OWASP, protocols, security vulnerabilities, risk factors.

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Authors: Shafiq ur Rehman, Jane Coughlan

Abstract:

The work we have accomplished in implementing a Mobile Payment mechanism that enables customers to pay bills for groceries and other purchased items in a store through the means of a mobile phone, specifically a Smartphone. The mode of transaction, as far as communication between the customer-s handset and the merchant-s POS is concerned, we have decided upon NFC (Near Field Communication). This is due to the fact that for the most part, Pakistani Smartphone users have handsets that have Android mobile OS, which supports the aforementioned platform, IOS, on the other hand does not.

Keywords: Usability, mobile payment system, NFC technology, payment process, customer.

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Authors: Mozhgan Ziaie Bidhendi, Rajab Choukan, Farokh Darvish, Khodadad Mostafavi, Eslam Majidi

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The selection of parents and breeding strategies for the successful maize hybrid production will be facilitated by heterotic groupings of parental lines and determination of combining abilities of them. Fourteen maize inbred lines, used in maize breeding programs in Iran, were crossed in a diallel mating design. The 91 F1 hybrids and the 14 parental lines were studied during two years at four locations of Iran for investigation of combining ability of gentypes for grain yield and to determine heterotic patterns among germplasm sources, using both, the Griffing-s method and the biplot approach for diallel analysis. The graphical representation offered by biplot analysis allowed a rapid and effective overview of general combining ability (GCA) and specific combining ability (SCA) effects of the inbred lines, their performance in crosses, as well as grouping patterns of similar genotypes. GCA and SCA effects were significant for grain yield (GY). Based on significant positive GCA effects, the lines derived from LSC could be used as parent in crosses to increase GY. The maximum best- parent heterosis values and highest SCA effects resulted from crosses B73 × MO17 and A679 × MO17 for GY. The best heterotic patterns were LSC × RYD, which would be potentially useful in maize breeding programs to obtain high-yielding hybrids in the same climate of Iran.

Keywords: biplot, diallel, Griffing, Heterotic pattern

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Authors: Tarig Mohamed Ahmed

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The usage of internet is rapidly increasing and the usage of mobile agent technology in internet environment has a great demand. The security issue one of main obstacles that restrict the mobile agent technology to spread. This paper proposes Secure-Image Mechanism (SIM) as a new mechanism to protect mobile agents against malicious hosts. . SIM aims to protect mobile agent by using the symmetric encryption and hash function in cryptography science. This mechanism can prevent the eavesdropping and alteration attacks. It assists the mobile agents to continue their journey normally incase attacks occurred.

Keywords: Agent protection, cryptography, mobile agent security.

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Authors: Saipunidzam Mahamad, Eliza Mazmee Mazlan, Rozana Kasbon, Khairul Shafee Kalid, NurSyazwani Rusdi

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Mobile Picture Puzzle is a mobile game application where the player use existing images stored in the mobile phone to create a puzzle to be played. This traditional picture puzzle is not so challenging once the player is familiar with the game. The objective of the developed mobile game application is to have a similar mobile game application that can provide the player with more challenging gaming experience. The developed mobile game application is also a mobile picture puzzle game application to create a puzzle to be played but instead of just using existing images that are stored, the personalised capability allows the player to use the built-in camera phone to capture an image and use the newly captured image to create the puzzle. The development of the mobile game application uses Symbian Operating System (OS), Mobile Media API (Application Programming Interface), Record Management System (RMS) storage and TiledLayer class from Game API.

Keywords: Picture Puzzle, Pervasive gaming, J2ME.

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Authors: K. B. Manwade, G. A. Patil

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Mobile agent has motivated the creation of a new methodology for parallel computing. We introduce a methodology for the creation of parallel applications on the network. The proposed Mobile-Agent parallel processing framework uses multiple Javamobile Agents. Each mobile agent can travel to the specified machine in the network to perform its tasks. We also introduce the concept of master agent, which is Java object capable of implementing a particular task of the target application. Master agent is dynamically assigns the task to mobile agents. We have developed and tested a prototype application: Mobile Agent Based Parallel Computing. Boosted by the inherited benefits of using Java and Mobile Agents, our proposed methodology breaks the barriers between the environments, and could potentially exploit in a parallel manner all the available computational resources on the network. This paper elaborates performance issues of a mobile agent for parallel computing.

Keywords: Parallel Computing, Mobile Agent.

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Authors: Yao Lu, Xiuguo Zhang, Zhiying Cao

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In this paper, Load Balancing idea is used in the Web service mobile host. The main idea of Load Balancing is to establish a one-to-many mapping mechanism: An entrance-mapping request to plurality of processing node in order to realize the dividing and assignment processing. Because the mobile host is a resource constrained environment, there are some Web services which cannot be completed on the mobile host. When the mobile host resource is not enough to complete the request, Load Balancing scheduler will divide the request into a plurality of sub-requests and transfer them to different auxiliary mobile hosts. Auxiliary mobile host executes sub-requests, and then, the results will be returned to the mobile host. Service request integrator receives results of sub-requests from the auxiliary mobile host, and integrates the sub-requests. In the end, the complete request is returned to the client. Experimental results show that this technology adopted in this paper can complete requests and have a higher efficiency.

Keywords: Dinic, load balancing, mobile host, web service.

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Authors: Rajdeep Niyogi

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The objective of the paper is twofold. First, to develop a formal framework for planning for mobile agents. A logical language based on a temporal logic is proposed that can express a type of tasks which often arise in network management. Second, to design a planning algorithm for such tasks. The aim of this paper is to study the importance of finding plans for mobile agents. Although there has been a lot of research in mobile agents, not much work has been done to incorporate planning ideas for such agents. This paper makes an attempt in this direction. A theoretical study of finding plans for mobile agents is undertaken. A planning algorithm (based on the paradigm of mobile computing) is proposed and its space, time, and communication complexity is analyzed. The algorithm is illustrated by working out an example in detail.

Keywords: Acting, computer network, mobile agent, mobile computing, planning, temporal logic.

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Authors: Tan Soo Fun, Leau Yu Beng, Rozaini Roslan, Habeeb Saleh Habeeb

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The increasing development of wireless networks and the widespread popularity of handheld devices such as Personal Digital Assistants (PDAs), mobile phones and wireless tablets represents an incredible opportunity to enable mobile devices as a universal payment method, involving daily financial transactions. Unfortunately, some issues hampering the widespread acceptance of mobile payment such as accountability properties, privacy protection, limitation of wireless network and mobile device. Recently, many public-key cryptography based mobile payment protocol have been proposed. However, limited capabilities of mobile devices and wireless networks make these protocols are unsuitable for mobile network. Moreover, these protocols were designed to preserve traditional flow of payment data, which is vulnerable to attack and increase the user-s risk. In this paper, we propose a private mobile payment protocol which based on client centric model and by employing symmetric key operations. The proposed mobile payment protocol not only minimizes the computational operations and communication passes between the engaging parties, but also achieves a completely privacy protection for the payer. The future work will concentrate on improving the verification solution to support mobile user authentication and authorization for mobile payment transactions.

Keywords: Mobile Network Operator, Mobile payment protocol, Privacy, Symmetric key.

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Authors: Hasanul Ferdaus, Sazzadur Rahman, Kamrul Islam

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With the rapid usage of portable devices mobility in IP networks becomes more important issue in the recent years. IETF standardized Mobile IP that works in Network Layer, which involves tunneling of IP packets from HA to Foreign Agent. Mobile IP suffers many problems of Triangular Routing, conflict with private addressing scheme, increase in load in HA, need of permanent home IP address, tunneling itself, and so on. In this paper, we proposed mobility management in Application Layer protocol SIP and show some comparative analysis between Mobile IP and SIP in context of mobility.

Keywords: Mobility, mobile IP, SIP, tunneling.

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Authors: Salima Hacini, Haoua Cheribi, Zizette Boufaïda

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The paradigm of mobile agent provides a promising technology for the development of distributed and open applications. However, one of the main obstacles to widespread adoption of the mobile agent paradigm seems to be security. This paper treats the security of the mobile agent against malicious host attacks. It describes generic mobile agent protection architecture. The proposed approach is based on the dynamic adaptability and adopts the reflexivity as a model of conception and implantation. In order to protect it against behaviour analysis attempts, the suggested approach supplies the mobile agent with a flexibility faculty allowing it to present an unexpected behaviour. Furthermore, some classical protective mechanisms are used to reinforce the level of security.

Keywords: Dynamic adaptability, malicious host, mobile agent security, reflexivity.

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Authors: Yongyoon Suh, Chulhyun Kim, Moon-soo Kim

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As increasing importance of symbiosis and cooperation among mobile communication industries, the mobile ecosystem has been especially highlighted in academia and practice. The structure of mobile ecosystem is quite complex and the ecological role of actors is important to understand that structure. In this respect, this study aims to explore structure of mobile ecosystem in the case of Korea using inter-industry network analysis. Then, the ecological roles in mobile ecosystem are identified using centrality measures as a result of network analysis: degree of centrality, closeness, and betweenness. The result shows that the manufacturing and service industries are separate. Also, the ecological roles of some actors are identified based on the characteristics of ecological terms: keystone, niche, and dominator. Based on the result of this paper, we expect that the policy makers can formulate the future of mobile industry and healthier mobile ecosystem can be constructed.

Keywords: Mobile ecosystem, structure, ecological roles, network analysis, network index.

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Authors: Shafiq Ur Rehman, Jane-Lisa Coughlan

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One challenging direction of mobile commerce (mcommerce) that is getting a great deal of attention globally is mobile financing. The smart-phone and PDA users all around the world are facing difficulties to become accustomed and trust in m-commerce. The main rationale can be the slow variation and lack of trust in mobile payment systems. Mobile payment systems that are in use need to be more effective and efficient. This paper proposes: the interface design is not the only factor affecting the m-commerce adoption and lack of trust; in fact it is the combined effect of interface usability and trustworthy mobile payment systems, because it-s the money that the user has to spend at the end of the day, which the user requires to get transferred securely. The purpose of this research is to identify the problems regarding the trust and adaption of m-commerce applications by mobile users and to provide the best possible solution with respect to human computer interaction (HCI) principles.

Keywords: m-commerce, usability, mobile payment method, interface design.

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Authors: Prasansha Kumari

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This paper intends to identify and analyze customer adoption and attitudes towards mobile banking facilities. The study uses six perceived characteristics of innovation that can be used to form a favorable or unfavorable attitude toward an innovation, namely: Relative advantage, compatibility, complexity, trailability, risk, and observability. Collected data were analyzed using Pearson Chi-Square test. The results showed that mobile bank users were predominantly males. There is a growing trend among young, educated customers towards converting to mobile banking in Sri Lanka. The research outcomes suggested that all the six factors are statistically highly significant in influencing mobile banking adoption and attitude formation towards mobile banking in Sri Lanka. The major reasons for adopting mobile banking services are the accessibility and availability of services regardless of time and place. Over the 75 percent of the respondents mentioned that savings in time and effort and low financial costs of conducting mobile banking were advantageous. Issue of security was found to be the most important factor that motivated consumer adoption and attitude formation towards mobile banking. Main barriers to mobile banking were the lack of technological skills, the traditional cash‐carry banking culture, and the lack of awareness and insufficient guidance to using mobile banking.

Keywords: Compatibility, complexity, mobile banking, risk.

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Authors: M. Sarrab, M. Elbasir

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The use of information technology in education have changed not only the learners learning style but also the way they taught, where nowadays learners are connected with diversity of information sources with means of knowledge available everywhere. The advantage of network wireless technologies and mobility technologies used in the education and learning processes lead to mobile learning as a new model of learning technology. Currently, most of mobile learning applications are developed for the formal education and learning environment. Despite the long history and large amount of research on mobile learning and instruction design model still there is a need of well-defined process in designing mobile learning applications. Based on this situation, this paper emphasizes on identifying instruction design phase’s considerations and influencing factors in developing mobile learning application. This set of instruction design steps includes analysis, design, development, implementation, evaluation and continuous has been built from a literature study, with focus on standards for learning, mobile application software quality and guidelines. The effort is part of an Omani-funded research project investigating the development, adoption and dissemination of mobile learning in Oman.

Keywords: Instruction design, mobile learning, mobile application.

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Authors: Eugen Pop, Mihai Barbos, Razvan Lupu

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The client server systems using mobile communications networks for data transmission became very attractive for many economic agents, in the purpose of promoting and offering electronic services to their clients. E-services are suitable for business developing and financial benefits increasing. The products or services can be efficiently delivered to a large number of clients, using mobile Internet access technologies. The clients can have access to e-services, anywhere and anytime, with the support of 3G, GPRS, WLAN, etc., channels bandwidth, data services and protocols. Based on the mobile communications networks evolution and development, a convergence of technological and financial interests of mobile operators, software developers, mobile terminals producers and e-content providers is established. These will lead to a high level of integration of IT&C resources and will facilitate the value added services delivery through the mobile communications networks. In this paper it is presented a client server system, for e-services access, with Smartphones and PDA-s mobile software applications, installed on Symbian and Windows Mobile operating systems.

Keywords: Client server system, e-services access, mobile communications, PDA, Smartphone.

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Authors: Pei-Shan Wei, Szu-Ying Lee, Hsi-Peng Lu, Jen-Chuen Tzou, Chien-I Weng

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Mobile social games recently become extremely popular, spawning a whole new entertainment culture. However, mobile game players are fickle, quickly and easily picking up and abandoning games. This pilot study seeks to identify factors that influence users to discontinuing playing mobile social games. We identified three sacrifices which can prompt users to abandon games: monetary sacrifice, time sacrifice and privacy sacrifice. The results showed that monetary sacrifice has a greater impact than the other two factors in causing players to discontinue usage intention.

Keywords: Abandon, Mobile devices, Mobile social games, Perceived sacrifice.

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Authors: Esad Kadušić, Petar Bojović, Amela Žgalj

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Mobile banking services present a unique growth opportunity for mobile operators in emerging markets, and have already made good progress in bringing financial services to the previously unbanked populations of many developing countries. The potential is amazing, but what about the risks? In the complex process of establishing a mobile banking business model, many kinds of risks and factors need to be monitored and well-managed. Risk identification is the first stage of risk management. Correct risk identification ensures risk management effectiveness. Keeping the risks low makes it possible to use the full potential of mobile banking and carry out the planned business strategy. The focus should be on adoption of consumers which is the main risk factor of mobile banking services.

Keywords: Consumer Adoption, Mobile Banking, Risk

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Authors: Conradie, P.W., Lombard, A., Moller, M.

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The dramatic effect of information technology on society is undeniable. In education, it is evident in the use of terms like active learning, blended learning, electronic learning and mobile learning (ubiquitous learning). This study explores the perceptions of 54 learners in a higher education institution regarding the use of mobile devices in a third year module. Using semi-structured interviews, it was found that mobile devices had a positive impact on learner motivation, engagement and enjoyment. It also improved the consistency of learning material, and the convenience and flexibility (anywhere, anytime) of learning. User-interfacelimitation, bandwidth and cognitive overload, however, were of concern. The use of cloud based resources like Youtube and Google Docs, through mobile devices, positively influenced learner perceptions, making them prosumers (both consumers and producers) of education content.

Keywords: Active learning, education, mobile learning, pedagogy.

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