The transition from traditional banking to mobile internet finance:an organizational innovation perspective-a comparative study of Citibank and ICBC

The development of Financial Technology(FinTech)in areas such as mobile Internet,cloud computing,big data,search engines,and blockchain technology have significantly changed the financial industry.FinTech is expected to overturn the traditional banking business model,forcing banks to upgrade and transform.This study adopts a comparative case study method to contrast and analyze the Industrial and Commercial Bank of China(ICBC)and Citibank.It analyzes the strategies,organizations,HR systems,and product innovations adopted by these two banks in response to the impact of FinTech.This paper proposes an“electric vehicle”mode for ICBC and an“airplane mode”for Citibank.Further,it describes the difficulties encountered by the Chinese banking industry and proposes some feasible ways to upgrade.“Technology power”will become the core competitive concept for the financial institutions of the future.

A Wireless Intrusion Alerts Clustering Method for Mobile Internet

With the rapid development of mobile Internet, people pay increasing attention to the wireless network security problem. But due to the specificity of the wireless network, at present it is rare to see the research of wireless intrusion alerts clustering method for mobile Internet. This paper proposes a Wireless Intrusion Alert Clustering Method(WIACM) based on the information of the mobile terminal. The method includes alert formatting, alert reduction and alert classification. By introducing key information of the mobile terminal device, this method aggregates the original alerts into hyper alerts. The experimental results show that WIACM would be appropriate for real attack scenarios of mobile Internet, and reduce the amount of alerts with more accuracy of alert analysis.

Mobile Internet Mobile Agent System Dynamic Trust Model for Cloud Computing

In mobile cloud computing,trust is a very important parameter in mobile cloud computing security because data storage and data processing are performed remotely in the cloud.Aiming at the security and trust management of mobile agent system in mobile cloud computing environment,the Human Trust Mechanism(HTM)is used to study the subjective trust formation,trust propagation and trust evolution law,and the subjective trust dynamic management algorithm(MASTM)is proposed.Based on the interaction experience between the mobile agent and the execution host and the third-party recommendation information to collect the basic trust data,the public trust host selection algorithm is given.The isolated malicious host algorithm and the integrated trust degree calculation algorithm realize the function of selecting the trusted cluster and isolating the malicious host,so as to enhance the security interaction between the mobile agent and the host.Given algorithm simulation and verification were carried out to prove its feasibility and effectiveness.

Development of Search System Used for Material Processing by Mobile Internet

A wireless search system was integrated on Windows 2000 server.Based on the communication principle between wireless data and Internet,the object expression of search file,the automatic query of document information,the segment browsing of result information,and the receiving and sending of user information were realized by using Active Server Page 3.0,VB Script,WML Script insert languages and object orient database technology.The requirement querying information of material processing through Internet by GPRS,WAP mobile handset and so on was accomplished.

Smart Terminal in Mobile Internet

In the mobile Internet environment, smart terminals should be multi-mode and multi-standby, and have smart open platform as well as rich client. However, consumption, radio frequency interference between two networks and network cooperation issues emerge accordingly. This paper gives the solutions to the abovementioned problems: The video signal enhancer is used to improve the image quality and reduce power consumption; the radio frequency interference is reduced by avoiding interference caused by in-band leakage and by out-of-band block; and the effective cooperation between dual networks can be fulfilled by re-designing communication architecture, processor, service logic and User Interface (UI).

Mobile Internet Oriented 3G Teleco 2.0

Mobile Internet will be the killer application of 3G. For the mobile Internet, the business model of telecom operators has to evolve to Teleco2.0. IP Multimedia Subsystem (IMS) will be used mainly for VIP and enterprise customers. Mass-oriented entertainment and new media services will be based on the Intelligent Node Overlay Node (INON)/Distributed Service Network (DSN). The core network will be flat, with an evolution route from Internet High Speed Packet Access (I-HSPA) to System Architecture Evolution (SAE), and even the Internet can be used as the core network. The low-cost mobile phone can be accessed to HTTP Internet by using 'client end software + portal'model with cloud computing. Flat rate will be the only fee model to be accepted by customers, and cheap and reasonable prices will contribute to the development of mobile Internet.

Development and Innovation of Mobile Internet

This paper proposes that the business model of mobile Internet services is shifting from a walled garden to an open one. The service development model relies more on open Application Programme Interface (API); and the online application software store is becoming an important platform for service delivery. The terminal platform has been the commanding point of the layout and competition of the mobile Inernet in the world. Based on the smart terminal, the competition for platform system from the hardware platform to the operation system, the middleware and the applications platform have been in shape globally. The competition in the terminal platform of mobile Internet is moving from close to open, from uni-controlled by one company to open and cooperated by the whole industry. China should forge a terminal platform system and the ecosystem for the mobile Internet industry, and seek to achieve an overall breakthrough in the whole value chain of the industry based on the huge mobile user market and the productivity of the terminal. The breakthrough should start from the application software, stepping from the top to the bottom platform, to extend the industry chain.

Impact of Mobile Internet on Smart Phone

Along with the deployment of 3G networks and the launch of diversified mobile Internet services, network service modes and operation modes have greatly changed, and now the smart phone plays a key role. Accordingly, the key technologies for the smart phone, such as the application security management framework, application software authentication mechanism, interoperating capability and dynamic power management should be paid much attention to. The mobile phone vendors are gradually transforming into platform providers who will offer the support for services, including hardware, protocol stacks and storage, instead of providing specific services. Meanwhile, operators and Internet service providers will become the main body of service development.

The Status Quo and Future of Mobile Internet Technologies

On the basis of an initial introduction to the status quo in the worldwide research on mobile Internet technologies, this paper presents the problems encountered during the research and points out some key points and research goals in this field. It infers that it is necessary to perform research on issues such as new Internet routing theories and protocols, structural characteristics of changing networks, multicast theories in mobile Internet environment and IPv6-based wireless IP network theories.

Security Framew ork of Mobile Internet

The article describes the layered model of physical network and information security, and the establishment of the mobile Internet’s security framework based on its network architecture. The mobile Internet has three parts, i.e. terminal, network and service system, each of which can be studied in four layers of the network and information security, namely, the equipment/environment security layer, the service and application security layer, the information security layer and the information content security layer.

Discussion of Mobile Internet Service Development

With the enforcement of 3G network capabilities in the future, the mobile Internet will greatly change the service modes of traditional Internet, rather than simply combine the Internet with mobile networks. The development of new technologies such as Mashup and mobile widgets will enable better service for users and new business models, bringing benefits for the industrial chain members including operators, vendors, Content Providers/Service Providers (CPs/SPs) and Internet application providers. The mobile Internet and the traditional Internet not only compete for contents and services, but also cooperate with each other; and the mobile Internet services should focus on mobile applications to avoid the homogenization with traditional Internet service.

Research on Weather Routing Based on the Mobile Internet

The combination and application of the mobile internet techniques with the weather radar monitoring data and the numerical weather pre-diction data were introduced, and the smart phone weather routing application software for both land and aquatic traffic safety, which is equipped with the function of analysis and warning of disastrous weather, was developed to reduce potential weather risks encountered during the journey as much as possible.

New Blue Ocean of Wideband Wireless Mobile Internet: Modern Service

Wideband Wireless Mobile Internet (WWMI) has become one of the most important technologies for Modern Service. The Modern Service information communication multi-access network can easily realize the new operation modes formed by various Modern Service support systems. We think that under the new operation modes, the charges on calling and information will become more negligible, while the charge on services provided by the direct service support of various Modern Service platforms will turn into a major revenue source. It is suggested that the operators build an operation service support platform with common services to cooperate with thousands of information websites, help clients to transform information into profit and carry out operations and services.

Standards for Mobile Internet Technologies

In order to ensure interoperability of basic mobile applications, the Open Mobile Association (OMA), from the perspective of mobile application, developed the mobile application layer technical standards for technology engines and carried out the interoperability test. From the perspective of fixed Internet, the World Wide Web Consortium (W3C) developed the technology standard based on basic Web applications, laying the foundation for Web-based mobile Internet applications. There are a number of important technology engines supporting mobile Internet services, including the engine for Internet access and download, the engine for providing status of mobile users and mobile terminals, the engine for community/group administration, the engine for mobile search, and the engine for classification-based content filtering.

In the background of the Mobile Internet,Innovation of audit mode in retail enterprises--with Luckin Coffee as an example

In the mobile Internet era,the business model of new retail enterprises has changed greatly,so the audit mode needs to be innovated to adapt to the development of the times and improve the audit quality.Luckin Coffee has achieved rapid expansion relying on Internet technology,but the unsustainability of its business model leads to financial fraud by its management.In the mobile Internet era,the new retail enterprises,such as Luckin Coffee,are more suitable to adopt the data-based audit mode.In the audit process,the business model,original sales data,information system and transaction cycle are the key audit contents,and the key audit technologies such as field investigation,information technology and data analysis are adopted to realize the verification of financial information of new retail enterprises[1].

Kenya’s Mobile Internet Boom

According to a recent study released by Kenya＇s e-commerce platform Jumia, 60 percent of the Kenyan population has now access to Internet. This is the highest proportion in Africa, where the average Intemet penetration rate is only 18 percent. Kenyans＇ high connectivity is mostly due to the rapid development and increasing availability of mobile Internet, which is changing daily life in the country. ChinAffica reporter Ge Lijun sat down with Zi Ran, who is in charge of Palmchat,~the social networking platform of Chinese mobile phone manufacturer Tecno.

Analysis of Mobile and Internet Network Coverage: Propagation of Electromagnetic Waves and Concept of Digital Divide in Burundi

Mobile and Internet network coverage plays an important role in digital transformation and the exploitation of new services. The evolution of mobile networks from the first generation (1G) to the 5th generation is still a long process. 2G networks have developed the messaging service, which complements the already operational voice service. 2G technology has rapidly progressed to the third generation (3G), incorporating multimedia data transmission techniques. It then progressed to fourth generation (4G) and LTE (Long Term Evolution), increasing the transmission speed to improve 3G. Currently, developed countries have already moved to 5G. In developing countries, including Burundi, a member of the East African Community (ECA) where more than 80% are connected to 2G technologies, 40% are connected to the 3G network and 25% to the 4G network and are not yet connected to the 5G network and then still a process. The objective of this article is to analyze the coverage of 2G, 3G and 4G networks in Burundi. This analysis will make it possible to identify possible deficits in order to reduce the digital divide between connected urban areas and remote rural areas. Furthermore, this analysis will draw the attention of decision-makers to the need to deploy networks and coverage to allow the population to access mobile and Internet services and thus enable the digitalization of the population. Finally, this article shows the level of coverage, the digital divide and an overview of the deployment of base stations (BTS) throughout the country to promote the transformation and digital inclusion of services.

Atmospheric Pressure-Aware Seamless 3-D Localization and Navigation for Mobile Internet Devices

This paper describes a seamless three-dimensional （3-D） localization and navigation system for smartphones. The smartphone includes an atmospheric pressure sensor to measure the user＇s altitude that is combined with the outdoor Global Positioning System （GPS） and indoor WiFi-APs localization systems in a seamless 3-D localization system. The smartphone software also provides seamless navigation services by updating map information for both indoor and outdoor locations through the mobile Internet. The indoor floor information calculated from the altitude information is used to project localization anchor nodes, e.g., WiFi-AP, on different floors onto the user＇s floor with an indoor 3-D localization algorithm using projection distances based on a Received Signal Strength （RSS） algorithm. Tests show that the 3-D method reduces systematic errors and achieves much higher accuracy than the traditional two-dimensional localization method.

Resource Load Prediction of Internet of Vehicles Mobile Cloud Computing

Load-time series data in mobile cloud computing of Internet of Vehicles(IoV)usually have linear and nonlinear composite characteristics.In order to accurately describe the dynamic change trend of such loads,this study designs a load prediction method by using the resource scheduling model for mobile cloud computing of IoV.Firstly,a chaotic analysis algorithm is implemented to process the load-time series,while some learning samples of load prediction are constructed.Secondly,a support vector machine(SVM)is used to establish a load prediction model,and an improved artificial bee colony(IABC)function is designed to enhance the learning ability of the SVM.Finally,a CloudSim simulation platform is created to select the perminute CPU load history data in the mobile cloud computing system,which is composed of 50 vehicles as the data set;and a comparison experiment is conducted by using a grey model,a back propagation neural network,a radial basis function(RBF)neural network and a RBF kernel function of SVM.As shown in the experimental results,the prediction accuracy of the method proposed in this study is significantly higher than other models,with a significantly reduced real-time prediction error for resource loading in mobile cloud environments.Compared with single-prediction models,the prediction method proposed can build up multidimensional time series in capturing complex load time series,fit and describe the load change trends,approximate the load time variability more precisely,and deliver strong generalization ability to load prediction models for mobile cloud computing resources.