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Another application of mobile banking technology is Zidisha , a US-based nonprofit micro-lending platform that allows residents of developing countries to raise small business loans from Web users worldwide. Zidisha uses mobile banking for loan disbursements and repayments, transferring funds from lenders in the United States to borrowers in rural Africa who have mobile phones and can use the Internet.

Mobile payments were first trialled in Finland in when two Coca-Cola vending machines in Espoo were enabled to work with SMS payments. Eventually, the idea spread and in , the Philippines launched the country's first commercial mobile payments systems with mobile operators Globe and Smart. Some mobile phones can make mobile payments via direct mobile billing schemes, or through contactless payments if the phone and the point of sale support near field communication NFC.

Some apps allows for sending and receiving facsimile Fax , over a smartphone, including facsimile data composed of raster bi-level graphics generated directly and digitally from document and image file formats. The rise in popularity of touchscreen smartphones and mobile apps distributed via app stores along with rapidly advancing network , mobile processor , and storage technologies led to a convergence where separate mobile phones , organizers , and portable media players were replaced by a smartphone as the single device most people carried.

Streaming video services are easily accessed via smartphone apps and can be used in place of watching television. People have often stopped wearing wristwatches in favor of checking the time on their smartphones, and many use the clock features on their phones in place of alarm clocks.

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Additionally, in many lesser technologically developed regions smartphones are people's first and only means of Internet access due to their portability, [] with personal computers being relatively uncommon outside of business use. The cameras on smartphones can be used to photograph documents and send them via email or messaging in place of using fax facsimile machines. Payment apps and services on smartphones allow people to make less use of wallets, purses, credit and debit cards, and cash. Mobile banking apps can allow people to deposit checks simply by photographing them, eliminating the need to take the physical check to an ATM or teller.

In , University of Southern California study found that unprotected adolescent sexual activity was more common among owners of smartphones. Mobile phone use while driving—including calling , text messaging , playing media, web browsing , gaming , using mapping apps or operating other phone features—is common but controversial, since it is widely considered dangerous due to what is known as distracted driving.

Being distracted while operating a motor vehicle has been shown to increase the risk of accidents. In Egypt, Israel, Japan, Portugal and Singapore, both handheld and hands-free calling on a mobile phone which uses a speakerphone is banned. In other countries including the UK and France and in many US states, only the use of calling on handheld phones is banned, while hands-free use is permitted. A simulation study at the University of Utah found a sixfold increase in distraction-related accidents when texting.

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This is more apparent in countries which ban both handheld and hands-free usage, rather than those which ban handheld use only, as officials cannot easily tell which function of the phone is being used simply by looking at the driver. This can lead to drivers being stopped for using their device illegally for a call when, in fact, they were using the device legally, for example, when using the phone's incorporated controls for car stereo, GPS or satnav. A study reviewed the incidence of phone use while cycling and its effects on behavior and safety.

Accidents involving a driver being distracted by being in a call on a phone have begun to be prosecuted as negligence similar to speeding. New Zealand has banned handheld phone use since 1 November Many states in the United States have banned text messaging on phones while driving. Illinois became the 17th American state to enforce this law.

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This database of laws provides a comprehensive view of the provisions of laws that restrict the use of mobile devices while driving for all 50 states and the District of Columbia between , when first law was passed through December 1, The dataset contains information on 22 dichotomous, continuous or categorical variables including, for example, activities regulated e. There was also smartphone patents licensing and litigation involving Sony Mobile , Google , Apple Inc.

The conflict is part of the wider "patent wars" between multinational technology and software corporations. To secure and increase market share , companies granted a patent can sue to prevent competitors from using the methods the patent covers. Since the s the number of lawsuits, counter-suits, and trade complaints based on patents and designs in the market for smartphones, and devices based on smartphone OSes such as Android and iOS , has increased significantly.

Initial suits, countersuits, rulings, license agreements, and other major events began in as the smartphone market stated to grow more rapidly by With the rise in number of mobile medical apps in the market place, government regulatory agencies raised concerns on the safety of the use of such applications. These concerns were transformed into regulation initiatives worldwide with the aim of safeguarding users from untrusted medical advice.

Smartphone malware is easily distributed through an insecure app store. An online petition has urged smartphone makers to install kill switches in their devices. Leaked documents published by WikiLeaks , codenamed Vault 7 and dated from —, detail the capabilities of the United States Central Intelligence Agency CIA to perform electronic surveillance and cyber warfare , including the ability to compromise the operating systems of most smartphones including iOS and Android.

Guidelines for mobile device security were issued by NIST [] and many other organizations.

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For conducting a private, in-person meeting, at least one site recommends that the user switch the smartphone off and disconnect the battery. Using smartphones late at night can disturb sleep, due to the blue light and brightly lit screen, which affects melatonin levels and sleep cycles.

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In an effort to alleviate these issues, "Night Mode" functionality to change the color temperature of a screen to a warmer hue based on the time of day to reduce the amount of blue light generated became available through several apps for Android and the f. It has also been theorized that for some users, addiction to use of their phones, especially before they go to bed, can result in " ego depletion. From Wikipedia, the free encyclopedia. Multi-purpose mobile device.

Main article: IBM Simon. Main article: Personal digital assistant. Main articles: Japanese mobile phone culture and Mobile phone industry in Japan. Further information: Digital camera and Camera phone. Main article: Foldable smartphone. Main article: Mobile phone features.

Main article: Display device. Main articles: Camera phone , Digital camera , and Videophone. Main article: Mobile operating system. Main article: Mobile app. Main article: List of digital distribution platforms for mobile devices. Main articles: Mobile banking and Mobile payment. See also: Branchless banking and Contactless payment. See also: Technological convergence. Main article: Problematic smartphone use.

Main articles: Mobile phones and driving safety and Texting while driving. Main article: Smartphone wars. Main article: Electronic media and sleep. Internet portal Modern history portal. Comparison of smartphones E-reader Lists of mobile computers List of mobile software distribution platforms Media Transfer Protocol Mobile Internet device Portable media player Second screen Smartphone kill switch Smartphone zombie.

Retrieved July 26, April 29, Archived from the original on August 1, Retrieved April 29, United States Patent and Trademark Office. June 10, Retrieved July 20, Jayant World Scientific. CRC Press. Bibcode : ITED Institute of Electrical and Electronics Engineers. Retrieved July 29, Sony Energy Devices Corporation. Archived from the original on 4 March Wonder How To.

Retrieved March 5, Bloomberg News. Retrieved August 18, Bloomberg Businessweek.

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Bloomberg L. Retrieved June 30, Simon was the first smartphone. Twenty years ago, it envisioned our app-happy mobile lives, squeezing the features of a cell phone, pager, fax machine, and computer into an ounce black brick. USA Today. BBC News. Retrieved August 16, University of Michigan Press.

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The first smartphone in the World. What's inside". IBM blog in Russian. Retrieved June 5, August 18, Association of Computing Machinery.