a. Mobile commerce was introduced back in 1997 when Coca Cola installed the first two mobile phone enabled vending machines in Finland. They were able to send mobile payments to the vending machines via SMS text messages. It was in the same year and country that an M-Commerce based banking service was introduced as well.

b. Many of the services offered by M-Commerce may as well be availed using the Immobile (stationary) Internet, e.g. purchasing entrance ticket to a football match.

c. M-Commerce opens new business opportunities by enabling innovative, location- based services (LBS) that the immobile Internet cannot offer. For instance the location of the nearest Automatic Teller Machine (ATM) in real time can only be provided by determining the current geographic position of the user

AmaanaAmaana is the entirely new concept in Pakistan .It is a type of Mobile Pay pal ofPakistan. The idea of developing the Amaana was based on the fact that Pakistan is the growing market of telecommunications. The tele-density in Pakistan is about 49% which means that almost half of the population of Pakistan is using cellular services. Amaana was basically built under the concept that people usually in Pakistan dont own credit cards. The Amaana will serve both types of household customers as well as business customers .People can shop over the Internet and the payments could be made through their cell phones which doesnt require credit card. The user can registered the account with Amaana and use the services on the websites which are accepting the payments from Amaana. This would benefit the customers to pay large amount of money with in no timeover the cellular network. Amaana is in the testing phase and this concept will be popular soon.(Source: www.amaana.com)

CitibankCitibank has unveiled Citi Mobile, the first downloadable mobile banking application from a major financial services provider. After enrolling online and downloading the application to a cell phone or smart phone, customers can view balances, pay bills, transfer money, locate ATMs, and click to call customer service(Source: www.telecompk.blogspot.com)

UBL OrionIn Pakistan a new SMS based payment solution from UBL called Orion was recently introduced. Each transaction is protected by a secret PINwhich offers basic security. This is a good start as UBL has kept things simple enough that common users will not be over whelmed. Usually such solutions come from mobile phone or value-added services companies but in this case UBL has taken the lead. UBL offered a card with the name ORION which users can use via any cellular network in Pakistan tomake purchases on selected outlets and pay their utility bills, buy airline tickets, share money into accounts. Some Rewards promotions are also offered on the usage of the service (Source: www.ubl.com.pk/orion)

Selling Airtime over the Cellular Network (Easy Load)Easy load option adopted by almost all the cellular operators in Pakistan is a type of m-commerce activity. People are benefited form this and are a source of income for many People who can just sell airtime while roaming around. This is a Great activity to boost mobile commerce in Pakistan. Recently Mobilink came with a new project, in conjunction with the GSM Association's Development Fund, to provide female health workers in Pakistan with mobile handsets. "The Lady Healthcare Worker" scheme serves two ends, In addition to giving mobile healthcare workers a means to communicate with local hospitals, ambulance services and so on, the project also helps spread the availability of mobile phones through the shared access method It is also a catalyst for income-generation, since it enables the women involved to sell airtime topeople in remote villages who would not otherwise have access to mobile phones. (Source: www.netexpress.com)

Mobilink / Ufone payments through credit cardMobilink and Ufone are the two large telecom service providers in the country with large subscriber base. They both have offered secured mobile transaction of paying the mobile bills through credit cards. The simplicity is that both these carriers use Sms based credit card verification and payment of bills. The user type a text message in which he includes his credit card number along with relevant details and the transaction is made within minutes. In this way the prepaid and postpaid connection bills are paid easily with no hassle. (Source: www.telecompk.blogspot.com)