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Around the globe, various initiatives use the mobile phone to provide financial services to those without access to traditional banks. Yet relatively little scholarly research explores the use of these m-banking/m-payments systems. This paper calls attention to this gap in the research literature, emphasizing the need for research focusing on the context(s) of m-banking/mpayments use. Presenting illustrative data from exploratory work with small enterprises in urban India, it argues that contextual research is a critical input to effective "adoption" or "impact" research. Further, it suggests that the challenges of linking studies of use to those of adoption and impact reflect established dynamics within the Information and Communication Technologies and Development (ICTD) research community. The paper identifies three crosscutting themes from the broader literature-amplification vs. change, simultaneous causality, and a multidimensional definition of trust-each of which can offer increased theoretical clarity to future research on m-banking/m-payments systems.

The rapid adoption of smartphones by consumers and employees has forced business enterprises to adopt mobility solutions that ensure competitive advantage. Improved customer service, higher employee productivity, good coordination and collaboration among various business processes result in increased ROI of the company

It is the latest trend among enterprises looking to reduce development costs to adopt full stack development.