Mobile Phone
In many countries, mobile phones are used to provide mobile banking services, which may include the ability to transfer cash payments by secure SMS text message. Kenya's M-PESA mobile banking service, for example, allows customers of the mobile phone operator Safaricom to hold cash balances which are recorded on their SIM cards. Cash can be deposited or withdrawn from M-PESA accounts at Safaricom retail outlets located throughout the country and can be transferred electronically from person to person and used to pay bills to companies. Low-end mobile phones are often referred to as feature phones and offer basic telephony. A handheld mobile radio telephone service was envisioned in the early stages of radio engineering. In 1917, Finnish inventor Eric Tigerstedt filed a patent for a "pocket-size folding telephone with a very thin carbon microphone". Early predecessors of cellular phones included analog radio communications from ships and trains. The race to create truly