Une première banque “mobile” en Belgique – Belga Economie – Trends-Tendances – Trends.be

Une première banque “mobile” en Belgique – Belga Economie – Trends-Tendances – Trends.be.

jeudi 16 mai 2013 à 14h04

(Belga) BNP Paribas Fortis a officiellement lancé la première banque “mobile” de Belgique et d’Europe, “Hello Bank!”, jeudi lors d’une conférence de presse. Cette banque numérique, uniquement accessible en ligne, s’adresse aux utilisateurs de smartphones et de tablettes numériques. BNP Paribas Fortis assure cependant qu’elle ne concurrencera pas ses agences.

Une première banque “mobile” en Belgique

La banque se télécharge sur les tablettes numériques et les smartphones via une application gratuite et permet d’effectuer toutes les opérations bancaires en ligne. “Hello Bank!” ne dispose donc pas d’agences physiques mais communique avec ses clients par téléphone ou via les médias sociaux. Lancée en Belgique et en Allemagne, avant la France et l’Italie, la nouvelle banque s’adresse principalement aux utilisateurs de technologies digitales mobiles, alors que 52% des Belges posséderont un smartphone et que deux tiers des ménages auront acquis une tablette numérique d’ici la fin de l’année, selon BNP Paribas Fortis. Elle espère séduire 1,4 million de clients d’ici cinq ans. “Hello Bank!” pourrait cependant concurrencer les agences et les services de BNP Paribas Fortis, notamment grâce à sa facilité d’accès. “Nous avons établi un plan en ce qui concerne les agences et le lancement d’une nouvelle banque ne changera rien”, a contesté Peter Vandekerckhove, membre des comités exécutif et d’administration de BNP Paribas Fortis. “Nous continuerons donc à investir dans les agences. Les deux banques sont complémentaires, pas concurrentes.” En début d’année, le groupe a annoncé la fermeture de 50 agences cette année, avant une centaine d’autres en 2014 et 2015, soit un total de 150 agences en moins de trois ans. (Belga)

 

How the next billion smartphones will be sold – Quartz

How the next billion smartphones will be sold – Quartz.

By Simone Foxman — January 29, 2013

AP Photo/Petros Karadjias

You can bet on continued rapid growth in the smartphone market. But ongoing unbridled profitability for its biggest players such as Apple and Samsung? That’s less of a sure thing.

Korea’s Samsung last week reported a 76% increase in net profit year-on-year. But its forecast that “the furious growth spurt seen in the global smartphone market last year is expected to be pacified by intensifying price competition, compounded by a slew of new products” disappointed investors eager to continue bingeing on smartphone and tablet euphoria.

Shares of Apple, largely driven by its iPhone business these days, have fallen 36% from their peak at $703.99 per share in mid-September. And the company’s quarterly earnings call on Jan. 23 didn’t inspire faith that the company could continue its market dominance indefinitely.

This does not mean that the world is full of smartphones—or even cell phones. Sales of phones and penetration rates are increasing in countries around the world, although the rate at which sales are increasing in some of the early-adopter markets is slowing. In October, Strategy Analytics estimated that one billion cell phones were in use; it expects there will be two billion smartphones in use by 2015. Investors’ doubts are predicated on the idea that these companies and others won’t be able to live off the smaller margins generated by low-cost handsets.

The smartphone sales lines keep going up.

Valor of volume

Concerns about Apple have had a lot to do with declining margins, as high-end sales growth slows amid increased competition from the likes of Samsung and less urgency among consumers to upgrade to the latest models when their current smartphones are more than adequate. Apple has typically been the industry leader, pioneering new technology. It has not—to date—said it would make a cheaper iPhone, though that is expected and Apple already carries its old models at a discount. Samsung has swiftly expanded its market share in the last few years by offering a variety of options for consumers. It has even had success expanding into already crowded emerging markets; Samsung has spent billions of dollars on marketing campaigns and drawn in consumers at all price points.

The problem is that both companies have trouble capitalizing on mid- and low-cost cell phones. Because it builds almost all of the parts that go into any cell phone, Samsung is better positioned to make money on the difference between the cost of the phone’s manufacture and the cost the consumer pays for it. Apple so far has made the decision not to compete aggressively in the lower-end market.

But simply because there’s not as much profit in low-cost phones doesn’t mean there’s no profit; so long as there are some profit margins in selling to a new world of consumers, someone will do it. RIM’s BlackBerry is starting to focus on African consumers, Nokia has made a bet on Indian consumers, and a variety of other companies are competing heavily for a piece of the pie. Little-known manufacturers in China and Asia making extremely low-cost devices that run Google’s Android software will surely grab a slice of the low-end market.

Exchange rates

Although Samsung appears to be winning the volume game, it may be at a disadvantage in the near future, creating an opening for other players. The Korean won has been rising in value in relation to many other currencies. With loads of foreign currency flying into the growing South Korean economy, the won is becoming more expensive, even as the world’s major central banks duke it out in a race to devalue their currencies. For example, the won rose nearly 20% against the Japanese yen in 2012. But exchange rates are even more important in emerging markets, where the company is pressured to chop costs to the bare minimum in order to make their phones competitive; the won has risen against emerging market currencies, particularly the Indian rupee and, to a much lesser extent, the Chinese yuan. Robert Yi, the head of Samsung’s investor relations, explained the impact currency fluctuations had on the company last quarter:

Our fourth quarter earning operating profit was negatively impacted by the foreign currency exchange ratios of about KRW360 billion ($33 million) from the continued strong Korean won, which we expect to continue for the time being. To clarify a little bit further, the most of the impact came not from the US or euro in Q4, but from various local currencies, including Chinese yen, Brazil real and others.

This could turn out to be a bigger deal in the future, as Samsung expects that these conditions will continue through 2013. Indeed, sharp appreciation in the currency against the yuan could allow for the rise of Chinese companies Huawei and ZTE, the third- and fifth-largest smartphone vendors in the world at 4.9% and 4.3% of global market share, respectively. Admittedly, their market share does not yet compare with the likes of Apple and Samsung—which have 21.3% and 29% of the market. Japan’s Sony could also benefit from a depreciating yen—the currency’s current trajectory.

Then again, the exchange rate game is one of chance. The Bank of Japan has so far disappointed those expecting it to embark on dramatic new monetary easing measures right away, while the Bank of Korea has already been hinting that it might cut rates. Meanwhile, an Apple incursion into the mid- and low-priced smartphone market could disrupt the game, and a cheap dollar might be there to help.

Clearly, there are wars ahead in the cell phone world, as manufacturers duke it out on price points and volume. What’s clear is that smartphone penetration is on an upward trajectory, and someone will be around to make a buck from that—even if it brings lower profit margins.

Gartner Says Worldwide Sales of Mobile Phones Declined 3 Percent in Third Quarter of 2012; Smartphone Sales Increased 47 Percent

Gartner Says Worldwide Sales of Mobile Phones Declined 3 Percent in Third Quarter of 2012; Smartphone Sales Increased 47 Percent.

Samsung Extended Its Lead in the Smartphone Market Widening the Gap with Apple

Egham, UK, November 14, 2012—         Worldwide sales of mobile phones to end users reached almost 428 million units in the third quarter of 2012, a 3.1 percent decline from the third quarter of 2011, according to Gartner, Inc. Smartphone sales accounted for 39.6 percent of total mobile phone sales, as smartphone sales increased 46.9 percent from the third quarter of 2011. 

While the mobile phone market declined year-on-year, Gartner analysts said there were positive signs for the industry during the third quarter. 

“After two consecutive quarter of decline in mobile phone sales, demand has improved in both mature and emerging markets as sales increased sequentially,” said Anshul Gupta, principal research analyst at Gartner. “In China, sales of mobile phones grew driven by sales of smartphones, while demand of feature phones remained weak. In mature markets, we finally saw replacement sales pick up with the launch of new devices in the quarter.” 

Smartphones continued to fuel sales of mobile phones worldwide with sales rising to 169.2 million units in the third quarter of 2012. The smartphone market was dominated by Apple and Samsung. “Both vendors together controlled 46.5 percent of smartphone market leaving a handful of vendors fighting over a distant third spot,” said Mr. Gupta. 

Nokia slipped from No. 3 in the second quarter of 2012 to No. 7 in smartphone sales in the third quarter of 2012. RIM moved to the No. 3 spot with HTC not far behind, at No. 4. “Both HTC and RIM have seen their sales declining in past few quarters, and the challenges might prevent them from holding on to their current rankings in coming quarters,” added Mr. Gupta. 

While seasonality in the fourth quarter of 2012 will help end-of-year mobile phone sales to end users, Gartner analysts said that there will be a lower-than-usual boost from the holiday season. Consumers are either cautious with their spending or finding new gadgets like tablets, as more attractive presents. 

Samsung’s mobile phones sales continued to accelerate, totaling almost 98 million units in the third quarter of 2012 (see Table 1), up 18.6 percent year-on-year. Samsung saw strong demand for Galaxy smartphones across different price points, and it further widened the gap with Apple in the smartphone market, selling 55 million smartphones in the third quarter of 2012. It commanded 32.5 percent of the global smartphone market in the third quarter of 2012. 

Table 1
Worldwide Mobile Device Sales to End Users by Vendor in 3Q12 (Thousands of Units)

Company	3Q12 Units	3Q12 Market Share (%)	3Q11 Units	3Q11 Market Share (%)
Samsung	97,956.8	22.9	82,612.2	18.7
Nokia	82,300.6	19.2	105,353.5	23.9
Apple	23,550.3	5.5	17,295.3	3.9
ZTE	16,654.2	3.9	14,107.8	3.2
LG Electronics	13,968.8	3.3	21,014.6	4.8
Huawei Device	11,918.9	2.8	10,668.2	2.4
TCL Communication	9,326.7	2.2	9,004.7	2.0
Research in Motion	8,946.8	2.1	12,701.1	2.9
Motorola	8,562.7	2.0	11,182.7	2.5
HTC	8,428.6	2.0	12,099.9	2.7
Others	146,115.1	34.2	145,462.2	32.9
Total	427,729.5	100.0	441,502.2	100.0

Source: Gartner (November 2012)

Nokia’s mobile phone sales declined 21.9 percent in the third quarter of 2012, but overall sales at 82.3 million were better than Gartner’s early estimate, largely driven by increased sales of the Asha full touch range. Nokia had a particularly bad quarter with smartphone sales, and it tumbled to the No. 7 worldwide position with 7.2 million smartphones sold in the third quarter. The arrival of the new Lumia devices on Windows 8 should help to halt the decline in share in the fourth quarter of 2012, although it won’t be until 2013 to see a significant improvement in Nokia’s position. 

Apple’s sales to end users totaled 23.6 million units in the third quarter of 2012, up 36.2 percent year-on-year. “We saw inventory built up into the channel as Apple prepared for the coming holiday season, global expansions and the launch into China in the fourth quarter of 2012,” said Mr. Gupta. With iPhone 5 launching in more territories in the fourth quarter of 2012, including China, and the upcoming holiday season Gartner analysts expect Apple will have its traditionally strongest quarter. 

In the smartphone market, Android continued to increase its market share, up 19.9 percentage points in the third quarter of 2012. Although RIM lost market share, it climbed to the No. 3 position as Symbian is nearing the end of its lifecycle. There was also channel destocking in preparation of new device launches for RIM, which resulted into 8.9 million sales to end users in the third quarter of 2012. With the launch of iPhone 5, Gartner analysts expect iOS share will grow strongly in the fourth quarter of 2012 because users held on to their replacements in many markets ahead of the iPhone 5 wider roll out. Windows Phone’s share weakened quarter-on-quarter as the Windows Phone 8 launch dampened demand of Windows Phone 7 devices. 

Table 2
Worldwide Mobile Device Sales to End Users by Operating System in 3Q12 (Thousands of Units)

Operating System	3Q12  Units	3Q12 Market Share (%)	3Q11  Units	3Q11 Market Share (%)
Android	122,480.0	72.4	60,490.4	52.5
iOS	23,550.3	13.9	17,295.3	15.0
Research In Motion	8,946.8	5.3	12,701.1	11.0
Bada	5,054.7	3.0	2,478.5	2.2
Symbian	4,404.9	2.6	19,500.1	16.9
Microsoft	4,058.2	2.4	1,701.9	1.5
Others	683.7	0.4	1,018.1	0.9
Total	169,178.6	100.0	115,185.4	100.0

Source: Gartner (November 2012) 

Additional information can be found in the Gartner report “Market Share: Mobile Phones by Region and Country, 3Q12.” The report is available on Gartner’s website at http://www.gartner.com/resId=2236115.

 

Why the Smartphone Isn’t Mainstream … Yet

Why the Smartphone Isn’t Mainstream … Yet.

This article is brought to you by Simple Mobile, the wireless revolution. For more information about BrandSpeak, click here.

It’s been around for less than a decade, but the smartphone is already incredibly common in the U.S. However, studies tell us that only 45% of adults in the U.S use a smartphone.

Owning a smart device continues to become mainstream with family spending being redistributed towards phone-related spending rather than other entertainment spending. The apps being released today are different from apps that were made a few years ago — they’re becoming an organic extension of a person’s lifestyle, and thus more relevant.

You don’t need to go further than the coffee line at the corner shop to observe the growth of smartphone use in the U.S. The same trends hold worldwide — but with some variations in hardware.

Users of the Android operating system enjoy the largest selection of apps — 700,000, a full 100,000 more than users on iOS with Windows trailing at only 100,000 total. Apple currently manufactures only 16.9% of smartphones globally, compared to Samsung’s 32.9%.

What smartphone stat surprised you the most? Do you know anyone who hasn’t made the jump from a regular cell phone to a smartphone yet?

Infographic created for Mashable by Mike Vasilev

Image courtesy of Flickr, justusbluemer

What Is the Smartphone of the Future? 6 Ideas | Inc.com

What Is the Smartphone of the Future? 6 Ideas | Inc.com.

Yagi Studio/Getty

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Your phone will be paper thin and charge wirelessly. You’ll probably project a high-def screen onto a wall when you want a bigger screen, since laptops will have become relics. But the truly impressive innovations will go far beyond these well-known predictions. Super-smart AI will make your phone even more powerful for business. Here are my predictions for what phones will do:Think your smartphone is powerful now? Wait until the year 2050, when Apple will have faded into oblivion (most major tech companies can last barely 30 years).

1. Analyze your surroundings

Future phones will analyze your surroundings, but not in the way you might think. Today, phones can connect to a Bluetooth signal and stream audio to your car. In 30 years, your phone will become more self-aware. When you arrive in your hotel room, your phone will connect to the thermostat and adjust the temp according to your usual preferences. You’ll have fingertip access to every other electronic gadget, even the sink in the bathroom–say, to find out when it was cleaned last. And, you’ll see instant info about the connections available, your hotel bill, who is nearby, and the weather. This data will not lurk in disparate apps, though–your phone will get it on the fly.

2. Record information

One of the problems with human memory is that it tends to be fallible. That’s not a problem for your phone. Yet, in the future, phones won’t just store data you put there. The device will morph into a digital recorder of every event, place, and experience. Walk into a conference room, and sensors in your phone will tap into the phones of every other attendee, recording their names, professional experience, and even their recent travels. You’ll record audio and video, of course, but the phone will do this automatically by tapping into other cameras in the room and during important occasions. The AI will know what you want to record and do this in the background without your intervention.

3. Display clean data

In the current digital age, you don’t have much choice about how information is presented. Turn on CNN, and you have to live with the programmed chatter. Yet, a future phone will have the ability to adjust streams of information. This is more than just editing. Your phone will become the main conduit you use for seeing information, but it will be smart enough to weed out information you don’t care about. When you read a future digital version of The New York Times, your phone will customize the information for you on the fly–presenting only relevant news in chunks you determine.

4. Monetize your mobility

In a future cashless society, one based primarily on transactions you conduct with your phone, you’ll be able to monetize your mobility. Say you show up at a meeting having researched a topic extensively. Your phone can offer to share this information for a small fee with business partners. You’ll also be able to offer a stream of well-honed content like indie movies and newly discovered music under your own micro-distribution license, similar to iTunes but localized and wireless. Once all of our financial data is stored on our phones (and highly secure), we’ll start using the phone to sell just about anything. This will work both ways, of course. The accumulated knowledge of others will also be a click away.

5. Familiarize your world

Phones already do a good job of helping us understand the world around us–just use the Zillow app to see a constant stream of house prices as you drive around. As an intelligent agent of learning, your future phone will go much further. You’ll speak into your phone and it will translate what you say in real-time, in any language. (Some apps do this already, but not smoothly or quickly.) Your phone will know your preferences and will connect to neighborhood services. Say you like soccer: Your phone will let you know the city has recently improved a soccer field as you drive within a few blocks. If you like a new band, and arrive in Orlando, your phone will let you know where the show is happening.

6. Fraternize with others

The concept of gamification is already here–just look at Klout perks or Bing rewards. In the future, the concept will expand much further. Your phone will constantly scan for like-minded people (as you can do today with some social apps) and you’ll be able to hold multiplayer matches with nearby gamers. But future phones will “gamify” anything you want, from beating your boss to a meeting to earning perks for sharing an easier route to the museum with the car next to you (and getting a free gas token as a reward).

Read more:

• 6 Huge Tech Trends to Watch
• Google Glasses: The Future of Work?
• 4 Tech Rumors (Almost) as Big as iPhone 5

John Brandon is a contributing editor at Inc. magazine and writes the Tech Trends column in every issue. He also writes the Tech Report column for Inc.com. @jmbrandonbb

[Infographic] How the App Stores “Really” Stack Up

[Infographic] How the App Stores “Really” Stack Up.

By Dan Rowinski 

This post is part of our ReadWriteMobile channel, which is dedicated to helping its community understand the strategic business and technical implications of developing mobile applications. This channel is sponsored by Alcatel-Lucent.

If you liken app stores to race horses, Apple is the biggest, baddest thoroughbred in town. Google Play is a fine specimen with some distinct qualities but has a lot of work to do in the practice yard before catching up. Everything else is an also-ran. Windows Phone has been growing rapidly, increasing from 40,000 apps in Nov. 2011 to 70,000 at the most recent count. Then there is BlackBerry App World. For all of Research In Motion’s troubles, its app repository is tied with Windows Phone at 70,000, which includes 15,000 specifically designed for the BlackBerry PlayBook. There are no tablet apps in the Windows Phone Marketplace, mostly because there is no Windows tablet (well, one worth anything).

German BlackBerry blog BlogBerry.de sent us over an infographic (through its content promotion specialist BlueGrass Interactive) breaking down the “reality” of the native app stores. It quotes RIM VP of developer relations Alec Saunders as saying 13% of BlackBerry developers have made $100,000 or more off their apps. We have heard this song and dance before. Take a look at the infographic below and let us know in the comments what you think of the BlackBerry App World, its quality of apps and whether or not it is a wise business decision to build any apps for the BlackBerry platform these days.

BlackBerry dans la tourmente, la saga continue!

(Mise à jour) BlackBerry dans la tourmente, la saga continue!.

Via ZDnet

Green SI

par Frédéric Charles

Après l’annonce Vendredi de mauvais résultats trimestriels et des pistes d’une nouvelle stratégie, de nombreux analystes ont annoncé la sortie de RIM du marché grand public. Ce matin RIM dément ces “rumeurs” via son blog officiel.

Et pourtant la conférence du 29 mars semblait sans équivoque : « nous prévoyons de nous recentrer sur le marché des entreprises et de capitaliser sur nos forces dans ce segment ». Que penser maintenant ?

GreenSI qui adhère à la thèse de l’abandon du marché grand public et a repris “la rumeur” dans son dernier billet ( BlackBerry dans la tourmente… c’est le moment d’acheter! ) voudrait revenir aux faits pour essayer d’y voir plus clair. Car c’est de la stratégie d’un des opérateurs de (certaines) DSI dont on parle. Et donc l’impact de cette Saga est loin d’être neutre pour les entreprises et ne se passe pas que sur le marché grand public :

• Le “push mail” a assuré le développement rapide de RIM et d’une infrastructure sécurisée importante qui a séduit les entreprises (B2B) mais n’est plus aujourd’hui la fonction magique de communication dans un monde de messageries instantanées et où Twitter s’intègre à iOS5. Le tactile est passé par là pour renforcer le besoin d’un navigateur et d’applications sur les terminaux. Et l’infrastructure reconnue pour sa robustesse a planté 3 jours en fin 2011, signe d’un temps qui change.
• La société s’est éparpillée sur deux marchés (B2B et B2C) certainement grâce au succès auprès du grand public de ses terminaux à claviers idéaux pour les SMS… et les forfaits SMS illimités de nos chères têtes blondes. Innover sur deux marchés aux attentes différentes coûte plus cher, c’est un fait. Et quand l’innovation est tirée par Apple, Google, Samsung et Amazon il vaut mieux être en bonne santé et avoir du cash pour investir.
• Ce qui rapporte à RIM c’est la commercialisation des services aux entreprises et ce depuis l’origine de la société.
• Le marché grand public est en train de lui échapper depuis l’arrivée de l’iPhone et des terminaux Android, notamment HTC qui en trois ans grâce au grand public a des ventes équivalentes à RIM qui développe son marché depuis 1984. Le marché Canadien résiste mais les Etats-Unis ont basculé sur Android (50% de part de marché début 2012)
• La future version de son OS BlackBerry 10 qui devrait rivaliser avec ses concurrents a été repoussée et aucune date n’est annoncée. Et dans un monde dominé par le Cloud, l’OS du terminal n’est que la moitié du sujet et RIM n’a pas encore de réponse sur les services comme iCloud. RIM a t-elle les moyens de faire cavalier seul loin derrière les autres?

Compte tenu de ces éléments, le pouvoir de persuasion de RIM va devoir être grand pour que GreenSI avale que son avenir s’écrit avec les lettres B2C. Et c’est sans compter sur Microsoft qui va finir par arriver sur ce marché avec Windows8, une alliance Nokia sur les Windows Phones et des licences Windows8 à d’autres constructeurs.

Le “démenti” de la “rumeur” rappelle plutôt la saga HP de l’an dernier avec WebOS. Or maintenant nous savons que tous les démentis n’y ont rien fait, la tablette HP est devenue une exception bradée qui n’est plus en magasin, HP s’est centré sur le marché entreprises et les salariés de WebOS ne savent toujours pas sur quel pied danser.

La suite:

http://www.zdnet.fr/blogs/green-si/mise-a-jour-blackberry-dans-la-tourmente-la-saga-continue-39770251.htm

The Radical Growth of the App Economy [INFOGRAPHIC]

The Radical Growth of the App Economy [INFOGRAPHIC].

Since the launch of the first iPhone in 2007, the production and mainstream usage of smartphones has exploded. The device opened a world of innovation in mobile technology, which was soon followed by a similar boom from apps.

Today, we rely on apps to do just about everything, from keeping us organized to pure entertainment. Millions of downloads later, the app economy is as strong as ever.

App development has created 466,000 jobs across all available platforms, according to a survey performed byTechNet. This includes local baristas, since many developers rely on coffee shops to get work done.

Our friends at Frugal Dad have created this inforgraphic about the economy and how it’s been affected by smartphones and apps.

What If The iPhone 5’s Design Was Inspired By The Magic Mouse? [Gallery] | Cult of Mac

What If The iPhone 5’s Design Was Inspired By The Magic Mouse? [Gallery] | Cult of Mac.

Even when they are crazily off base, we’re fans of Italian conceptual studio CiccareseDesign’s work. At the very least, their mockups and renders of imaginary Apple products give some perspective to the whys and hows of the designs Jony Ive does choose.

Their latest mockup is of the forthcoming iPhone 5. What’s most interesting about the design they chose was that it is directly inspired by the Magic Mouse: not actually the worst idea for an iPhone, which like a mouse will sit in people’s hands all day. Here’s a gallery of the renders.

Of course, there’s a lot of practical reasons why the iPhone 5 won’t look anything like this, not least of which is that a design like this simply doesn’t have room for the iPhone’s battery and silicon guts. Plus, this thing would vibrate right off a table and smash into a million pieces. Still, if not the iPhone 5… maybe the iPhone 10? Wishful thinking.

Mobistar: lance un service démarrage de smartphones.

Le Figaro Bourse.

Mobistar annonce le lancement d’un service baptisé MyStart, qui ‘permet aux utilisateurs de démarrer sans problèmes avec leur nouveau smartphone, grâce à l’assistance d’un expert dans un Mobistar Center’.

‘Aujourd’hui, parmi les clients qui ont un smartphone mais qui n’utilisent pas l’Internet mobile, près de 15% des gens répondent que c’est parce qu’ils ne parviennent pas à configurer correctement leur téléphone’, rapporte l’opérateur belge.

MyStart permet à l’utilisateur de bénéficier pendant 20 minutes de l’assistance d’un expert en configuration de smartphones pour 9,99 euros. Il est ouvert à tous les utilisateurs, y compris les clients des autres opérateurs mobiles, et pour tous les types de smartphones et toutes les plateformes, que ce soit iOS (Apple), Android, BlackBerry ou Windows Phone.

Copyright (c) 2012 CercleFinance.com. Tous droits réservés.