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Development Of E

New banking services are not supposed to be substitutions for traditional types of banking transactions. However, there are many advantages to IT-based services, since they can enhance the quality of services and decrease delivery costs (González et al. 2008). Moreover, due to all of these advantages, and despite the trust issues in applying innovative electronic channels, there has been growth in the number of e-banking users . Compared to several years ago, when the people living in Macedonia had to go directly to the banks to perform financial transactions, today there is a widely functional e-banking system. Macedonian banks today offer conventional e-banking services, electronic products including debit/credit cards and e-trading and contemporary electronic services like internet banking and online investing. In the country, several factors significantly influence the level of adoption and usage of e-banking services, such as age, level of education and complexity of the e-bank...
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Mobile Phones

Audio quality can be improved using a VoIP application over WiFi. Cellphones have small speakers so that the user can use a speakerphone feature and talk to a person on the phone without holding it to their ear. The small speakers can also be used to listen to digital audio files of music or speech or watch videos with an audio component, without holding the phone close to the ear. 5G is a technology and term used in research papers and projects to denote the next major phase in mobile telecommunication standards beyond the 4G/IMT-Advanced standards. The term 5G is not officially used in any specification or official document yet made public by telecommunication companies or standardization bodies such as 3GPP, WiMAX Forum or ITU-R. New standards beyond 4G are currently being developed by standardization bodies, but they are at this time seen as under the 4G umbrella, not for a new mobile generation. With improved privacy controls, better accessibility tools and new customization op...
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