document: Mobile banking 's tough sell Banks are having to put their mobile-commerce projects on hold because the essential technology to make the services usable , in particular GPRS -LRB- general packet radio service -RRB- has n't become widely available . It is estimated that by the end of 2002 , only 5 per cent of adults will have GPRS phones . This will have a knock-on effect for other technologies such as clickable icons and multimedia messaging . In fact banking via WAP -LRB- wireless application protocol -RRB- has proved to be a frustrating and time-consuming process for the customer . Financial firms ' hopes for higher mobile usage are stymied by the fact that improvements to the systems wo n't happen as fast as they want and the inadequacies of the system go beyond immature technology . Financial services institutions should not wait for customers to become au fait with their WAP . Instead they should be the ones `` driving the traffic ''
doc_bio_tags: O B O O O O O O O O O O O O O O O O O O O O O O O O O B O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O B O O O O O O O O O O O O O O O O O O O O O B O O O B I I O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O
extractive_keyphrases: banking gprs wireless application protocol
abstractive_keyphrases: mobile-commerce