Mobile phone features (2.0), dual line support, infrared, Bluetooth (2.0) and WiFi connectivity, NFC, instant messaging, Internet e-mail and browsing and serving as a wireless modem. The first smartphone was the Nokia 9000 Communicator in 1996 which added PDA functionality to the basic mobile phone at the time. As miniaturization and increased processing power of microchips has enabled ever more features to be added to phones, the concept of the smartphone has evolved, and what was a high-end smartphone five years ago, is a standard phone today. Several phone series have been introduced to address a given market segment, such as the RIM
Mobile phone 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 Cash can be deposited or withdrawn from M-PESA accounts at Safaricom retail outlets located throughout the country and can be transferred electronically from person to person and used to pay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. Branchless banking has also been successful in South Africa and the Philippines. A pilot project in Bali was launched in 2011 by the International Finance Corporation and an Indonesian bank, Bank Mandiri. Another application of mobile banking technology is Zidisha, a US-based