The creative thinking for your business is one of the businesses improving method that very effective. Using creative thinking that can search and find the new way to interest the customer will make the business grow bigger. The new business growth through newer the product is good to refresh the product market. For example, if your business is about the art, the good alternative to grow your business through the creative way with adding some new ideas to refresh your design is very helpful. If your business art is usually only about the nature, you should sometimes adding some new designs about the human or some designs about the abstracts. Another kind of creativity that could grow the business is to change the material used by your business. The new materials that suitable with your new design will increase the market interest about your products. For example, when you use the papers for your business, to create more interest market, you can improve your business materials by using the woods or some nature materials such as the grasses, the feathers, the leaves, and etc. Using the nature materials will make your art products more alive that using the artistic papers.

In another kind of business, the creative thinking also has a great impact for your business. In the fashion business, the creative thinking can help the fashion designer to find a new design for the fashion that will be show in the fashion show. The creative thinking also should be applied in the food factory. In the food factory process, the creative thinking can help the food designer to create a new recipe for the food they sell. This is very helpful for the interest rate of the visitors to the food shop. Although the creative process that happened because the creative thinking is not as easy as many people said before, the creative results of the creative process are very helpful for the business to grow bigger.

 
If the technological revolution is in full swing, a significant sector of the economy where technology is at the helm of affairs in terms of bank customer. Over the years the bank has evolved from a traditional brick and mortar customers queues exceeded for services in banks in modern banking, where banks can come at any time for their services. In the business world has the technology to the predominant indicators of growth and competitiveness. The entry of new banks has led to a paradigm shift in how the bank. The banking sector is now in the midst of a revolution. The combination of reasons for regulation and competition has led to the increasing importance of total banking automation in the banking sector . Information technology is used mainly in two different ways in the banking sector. One thing is communication and connectivity and the other is the business process reengineering, reaching both focused primarily on increasing their clients. Information technology enables the development of mature products, improving market infrastructure, implementation of reliable methods to control risk and helps the financial intermediaries to reach geographically distant and diversified markets The latest revolution seems to be produced in terms of mobile banking, an attempt to influence the synergy of mobile banking technology in the telecommunications and information technology in the banking system, banks were allowed services.Today wireless and mobile technology in the meeting room often use for the customers with free to pay bills, payments, while traffic jams are planning to get updated information on the various stages of the efforts made during his presence at a party to obtain granted intimate and personal relationships. Mobile banking can be classified as Push vs Pull and Transaction vs Enquiry, which are briefly outlined below:

o Push based

o Pull based

O Transaction

Some other functions in mobile banking has lent its hand are the Fund Transfers and Bill Payments, where customers have the freedom to maintain their account via phone. Mobile banking has also received other stock exchanges likeshare. The recent revolution in information technology allows credit warnings sophisticated banking services based consultation / debit card.

Some of the other results of the revolution in the banking sector are research Minimum Balance Alerts account balance, the application for checking status research, applications alerts checkbook and paying bills. The last time was the technology that helps a great influence in the banks, their customer service has been the introduction of Internet banking. But the biggest limitation of Internet banking is the requirement of a PC with internet connection, not a big obstacle if we see the United States and European countries, but certainly one of the main obstacles when most of us developing countries Asia such as China and India seek. Mobile banking addresses this fundamental limitation of Internet banking because it reduces the client

Requirement to just a cell phone. Mobile use is an explosive growth in the economies of most Asian and India have made China and Korea. The main reason is that customers of mobile banking accounts internet banking allows anywhere banking. “Who does not need now have access to a computer terminal to access their banks, they can now do in the way – if they wait for their bus to work while traveling or if they expect their orders come through the restaurant. On a scale that has the potential of mobile banking to grow, adding speed to get users to see these large Asian economies on the move.

There are a variety of challenges and questions about the content, security, services, technology and the connection speed should be ordered according to the technologies of mobile banking.

Aims of the report:

First to examine a growing maturity of the technology in regard to the difficulties encountered by the actors especially the banks in terms of mobile banking services to the global competitiveness through technology and global banking.

For the second study and knowledge expectations, and customer acceptance regarding its implementation and effectiveness.

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