www. global change. the use of cell phone com, wireless network, GPS, camera phones, the use of video-phone for consumers. Retail sales of mobile phones. E-mail and surfing wb, browsers, mobile phones. SMS and SMS marketing advantage for the company. largest mobile companies in emerging markets. Future trends in telecommunications in India, China, Brazil, Russia, South Africa, countries “BRIC”. Watch for spectacular growth in emerging markets of mobile Sames. Mobile phones work in remote areas of the world brings prosperity and opportunity for millions – to the DR Congo, for example. Patrick Dixon part of the speech delivered by Dr. conference MTN. Bottom of pyramid and how most mobile phone sales in the future for people with low incomes. Effects of SMS on personal life and business. Changes in consumer behavior. Banks, telephone companies and telecommunications companies will become banks. mobile payment systems, micropayments, mobile phone operations of credit card loans. to avoid an economic effect of remittances of foreign workers using SMS credit to the foreign exchange transaction costs. Such as biometric fingerprint technology allows significant mobile payments. Commissions and interest on loans. Impact benefit of American Express Visa, Delta, Access, MasterCard offers mobile transactions.