Click here to close now.

Welcome!

Symbian Authors: Jack Newton, Kevin Benedict, Matthew Lobas, Shelly Palmer, RealWire News Distribution

News Feed Item

Russia Smart Card Market 2012

NEW YORK, Dec. 27, 2012 /PRNewswire/ -- Reportlinker.com announces that a new market research report is available in its catalogue:

Russia Smart Card Market 2012

http://www.reportlinker.com/p0770997/Russia-Smart-Card-Market-2012.html#...

The Russian secure transactions market is characterized by high penetration levels of SIM cards, a growing adoption of debit cards, and huge volumes of disposable tickets for Moscow Metro. Over the 2010-2016 period, this market will demonstrate a high dynamism, along with the adoption of innovative solutions such as the UEC (Universal Electronic Card), which will bring drastic changes in the market dynamics. 

In Russia, the telecom market segment remains quite isolated from global operators, as international major players have not developed subsidiaries in Russia. The only exception is Tele2 from Sweden, which remains a second tier player. Major mobile network operators in Russia are evolving at their own pace, with the development of 3G, and are planning for LTE deployment in 2014. The Russian SIM card market is characterized by an extremely high penetration level. For instance, in Moscow, the penetration level is over 200%, meaning most users are actually owning two or more SIM cards. On a global basis, in Russia, the penetration level is over 150%. The major driver for this surprisingly high penetration level is the strong proportion of prepaid plans, leading users to churn from operator to operator in order to follow the best offers on this competitive market. 

This subscriber pattern, characterized by a high churn level, leads to a heavy consumption of SIM cards, which will keep a steady growth over the 2010–2016 period. Besides the natural churn rate, this growth will be driven by a wider adoption of 3G, and, to a lesser extent, by the emergence of 4G (LTE). Smart Insights anticipates SIM card shipments will pass the 240 million mark in 2016. 

Besides regular SIM cards, machine to machine (M2M) applications are bound to experience a fast growth over the 2010 – 2016 period. The fastest growing sub-segment in the M2M market will be the SIM cards dedicated to 2G / 3G / 4G modems. Smart meters, and fleet management / eCall applications will also represent 20% of the total NFC shipments. Fleet management / eCall deployment will be supported by the launch and wide-scale generalization of GLONASS, the Russian positioning system, comparable to GPS and Galileo. 

The Russian payment card market is characterized by the wide and growing spread of debit cards, often given by companies to employees as a means to pay salaries. These cards are basically prepaid cards, which can be reloaded, and then become debit cards. Social benefits are paid on social cards, which often include a transport application. Credit cards are still marginal, but Smart Insights anticipates, that, due to the global economic growth in Russia, their share will be increasing significantly over the 2010–2016 period. In terms of technologies, the large majority of payment cards are still magstripe based. As payment organizations are trying to enforce the liability shift, smart cards, in the payment segment, will experience a growing adoption: Smart Insights anticipates smart cards (contact, contactless and dual technology) will represent 47% of the total number of payment cards by 2016. 

The most significant factor in the Government ID segment is the launch by the Russian government of the UEC, the Universal Electronic Card, which will not only be an Identity Document, but also a means to access social services, a payment means (banking card), and a transport card (for mass transit). The Russian government announces first samples of the UEC by end of 2011, and a global deployment by 2014. The deployment of the UEC will limit growth in the payment card segment, and will trigger a steep decrease for the transport card segment. Smart Insights anticipates that by the end of 2016, 112 million UEC will have been delivered covering almost all the population over 14. Russia has launched its biometric passport program a few years ago, and this business will be experiencing a slow growth over the studied period. 

Moscow metro is one of the largest subway systems in the world by the number of passengers. Most of them are using disposable tickets including a contactless chip. This single application represents the largest number of secure transaction objects on the Russian market with 2.5 billion units sold each year. However, the generalization UEC cards will reduce dramatically the number of contactless tickets used in Moscow. Other mass transit systems in Russia use reloadable cards, leading to much smaller volumes. 

Russia is not among the pioneers for NFC (Near Field Communication) adoption. Mobile network operators are lunching pilots, generally in combination with mass transit operators, but, so far, none of them has showed any sign of generalization. 

As a consequence of these market factors, the memory card segment (disposable Moscow subway tickets and prepaid phone cards) will decrease by close to 10% on a yearly basis. On the other hand, globally, the secure portable object market (microprocessor cards, ePassports, M2M secure devices) in Russia will experience a 19.8% CAGR (Compound Annual Growth Rate) for the 2010-2016 period. 

Table of contents

1 OVERVIEW .. 13

2 TELECOM.... 17

2.1 OVERVIEW ..... 19

2.2 MAJOR MOBILE OPERATORS... 26

2.2.1 Mobile TeleSystems (MTS) .26

2.2.2 MegaFon ...33

2.2.3 VimpelCom (Beeline) .37

2.2.4 Tele2 Russia.....40

2.2.5 Svyazinvest (Rostelecom) ..43

2.2.6 SMARTS Group44

2.2.7 Mobile Virtual Network Operators (MVNOs) ......46

2.3 3G ..... 48

2.4 CDMA .. 50

2.5 LTE (LONG TERM EVOLUTION) ..... 51

2.5.1 Skartel (Yota) 53

2.6 M2M ... 54

2.7 MOBILE HANDSETS MARKET... 57

2.8 MOBILE COMMUNICATION MARKET FORECASTS ..... 61

2.8.1 Subscribers: SIM cards installed base .61

2.8.2 SIM card shipments ...63

2.8.3 Machine to machine (M2M).65

2.9 PUBLIC TELEPHONY ... 66

3 PAYMENT ... 67

3.1 BANKING INDUSTRY ... 69

3.1.1 Overview ......70

3.1.2 Russian credit cards market ....72

3.1.3 Russian three major payment systems .....73

3.1.4 Key findings...74

3.1.5 Bank cards ....75

3.2 EMV MIGRATION ...... 76

3.3 BARRIERS TO EMV MIGRATION ...... 77

3.4 VENDORS ...... 78

4 GOVERNMENT ID.. 81

4.1 ELECTRONIC PASSPORTS...... 83

4.2 UNIVERSAL ELECTRONIC CARD (UEC) ...... 84

4.2.1 UEC......84

4.2.2 Security issues86

4.2.3 Single Federal Information and Payment System for UEC ...87

4.3 SOCIAL SECURITY CARD 87

4.3.1 Moscow Social card.88

4.3.2 Sberbank Social Card......90

4.3.3 Uralsib Social Card .92

4.4 ID DOCUMENT SHIPMENTS .... 94

5 TRANSPORT 95

5.1 OVERVIEW ..... 97

5.2 MOSCOW METRO...... 97

5.3 ST. PETERSBURG TRANSPORT 99

5.4 BANK – TRANSPORT COMBINED FARE COLLECTION SYSTEM. 99

5.5 GOLDEN CROWN – SINGLE TRANSPORT CARD..... 101

5.6 OTHER TRANSPORT APPLICATIONS.. 103

5.7 MULTI-APPLICATION . 103

5.8 TRANSPORT CARD MARKET .. 104

6 MOBILE PAYMENTS.....105

6.1 MOBILE MONEY FOR UNBANKED USERS ..... 107

6.1.1 Overview .... 107

6.1.2 Remote mobile payment ...... 108

6.1.3 Prepaid top-up extension ..... 109

6.2 PROXIMITY PAYMENT: NFC.. 111

6.2.1 Introduction 111

6.2.2 NFC trials ... 111

7 PAY TV .....115

7.1 MARKET OVERVIEW... 117

7.2 DIGITAL TV COMPANIES ..... 118

8 ENTERPRISE SECURITY 121

9 SMART CARD MARKET .125

10 SMART CARD MAJOR STAKEHOLDERS .129

10.1 OVERVIEW .... 131

10.2 SITRONICS. ... 131

10.3 ORGA ZELENOGRAD (MORPHO) .... 137

10.4 NOVACARD ... 138

10.5 ROSAN FINANCE...... 140

10.6 INPAS TECHNOLOGIES...... 142

10.7 ANGSTREM.... 144

10.8 G&D ZNAK CARD .... 146

10.9 RUSNANO ..... 147

10.10 AMBIQ TECHNOLOGY..... 148

10.11 SVETLANA-KART .. 149

11 GLOSSARY ......151

Table of illustrations

Illustration 1 Russian regions by number of MNOs (2010) 19

Illustration 2 Russian market breakdown, by subscribers (Q1/2011).20

Illustration 3 Subscribers repartition evolution (2006-2011) ...20

Illustration 4 Market shares evolution, by subscribers (2006-04/2011) .....21

Illustration 5 Subscriber base in Russia (2009) ......21

Illustration 6 MTS new subscriber acquisition costs (2010-2016) .....22

Illustration 7 "Big Three" ARPU dynamics (2006-2010) ....24

Illustration 8 Dynamics of average ARPU of Russian operators (2007-2009) ......24

Illustration 9 MTS key facts .26

Illustration 10 MTS mobile business revenue evolution, US$ (2005-2010)..28

Illustration 11 MTS mobile business revenue evolution, EUR (2005-2010) .29

Illustration 12 MTS subscribers base evolution (2005-2010) ....29

Illustration 13 MTS market share evolution, by subscribers (2005-2010)...30

Illustration 14 MTS penetration evolution (2005-2010) ...30

Illustration 15 MTS churn rate evolution (2005-2010).....31

Illustration 16 MTS churn rate, company's forecast (2009-2015) .....31

Illustration 17 MTS ARPU evolution, US$ (2005-2010).....32

Illustration 18 MTS ARPU evolution, EUR (2005-2010) ....32

Illustration 19 MegaFon key facts 33

Illustration 20 MegaFon subscribers base evolution (2009-2011) .....35

Illustration 21 MegaFon ARPU evolution, RUB (2010-2016) .....35

Illustration 22 MegaFon ARPU evolution (EUR) ......36

Illustration 23 Beeline key facts ..37

Illustration 24 Beeline subscribers base evolution (2006-2011) 38

Illustration 25 Beeline prepaid subscribers share evolution (2010-2016)...39

Illustration 26 Beeline churn rate evolution (2006-2010) 39

Illustration 27 Beeline ARPU evolution (2006-2010)40

Illustration 28 Tele2 Russia key facts ...40

Illustration 29 Tele2 Russia subscribers base evolution (2006-2011).41

Illustration 30 Tele2 Russia prepaid subscribers share evolution (2010-2016) ...41

Illustration 31 Tele2 Russia churn rate evolution (2010-2016) .42

Illustration 32 Rostelecom key facts ....43

Illustration 33 SMARTS key facts..44

Illustration 34 SMARTS Group subscribers base evolution (2006-04/2011) .45

Illustration 35 MVNOs market share, by subscribers (2008).....47

Illustration 36 MVNO subscribers base evolution (2010-2016) ..47

Illustration 37 3G USB modems repartition (Q2/2010)....49

Illustration 38 MNOs 3G presence in cities, by category of population (2010) ...49

Illustration 39 3G presence, by number of regions (2010) ......50

Illustration 40 WiMax operators market share, by subscribers (2010) ......51

Illustration 41 WiMax subscriber base (Q2/2009-Q2/2010) .....52

Illustration 42 LTE subscriber base forecasts (2010-2016) ......52

Illustration 43 Skartel key facts...53

Illustration 44 Yota subscribers, by connection tool (2010) ....54

Illustration 45 M2M market structure, by number of units (2010) ....56

Illustration 46 Mobile handsets market volume (2009-2016) ...57

Illustration 47 Mobile handsets shipments market shares, by producers (H1/2010) ...58

Illustration 48 Smart phones shipments, in million units (2004-3Q/2010) .58

Illustration 49 Smart phones market shares, by producers (Q1-Q3/2010) .59

Illustration 50 3G handsets shipments (2005-2010) 59

Illustration 51 2G & 3G handsets shipments repartition (Q1-Q3/2009).....60

Illustration 52 3G handsets shipments (2005-2010) 60

Illustration 53 Total installed base of SIM cards (2010-2016)...61

Illustration 54 Total installed base of SIM cards, in millions (2010-2016) ..62

Illustration 55 Total installed base of SIM cards' growth rate, year-on-year (2010-2016) ....62

Illustration 56 SIM cards net additions (2010-2016) 62

Illustration 57 SIM card shipments (2010-2016) .....63

Illustration 58 SIM card shipments, in millions (2010-2016) ....63

Illustration 59 SIM card shipments growth, year-on-year (2010-2016)......63

Illustration 60 SIM cards shipments, in % by producers (2010) .64

Illustration 61 Total installed base of M2M, in millions (2010-2016) .65

Illustration 62 M2M solutions shipments (2010 – 2016) ...65

Illustration 63 M2M shipments, in millions (2010-2016) ..65

Illustration 64 M2M shipments, by category (2010-2016).66

Illustration 65 Top 10 banks by installed base of bank cards, in thousands (2009-2010).....69

Illustration 66 Top 10 banks' cards yearly issuing volumes (2009-2010) ....69

Illustration 67 Payments and cash withdrawal operations ratio (2005-2010).....70

Illustration 68 Credit cards market (2003-2011) ....72

Illustration 69 Total installed base of bank cards (2010-2016).75

Illustration 70 Total installed base of bank cards, by technology (2010) ..75

Illustration 71 Bank cards producers' market share (2010) .....79

Illustration 72 Universal Electronic Card, UEC ......85

Illustration 73 Social Card of Moscow...89

Illustration 74 Social Card of Bashkortostan..93

Illustration 75 Biometric passport shipments (2010-2016) ......94

Illustration 76 UEC shipments (2010-2016) ...94

Illustration 77 Moscow Metro cards, by type (2008)98

Illustration 78 Number of entries by access means per year (2008) .98

Illustration 79 Express Card ..... 100

Illustration 80 Management scheme of Express Card project 100

Illustration 81 Express Card open fare collection system promotional document .... 101

Illustration 82 Golden Crown Transport cards number (2007-2010) 102

Illustration 83 Number of journeys by Golden Crown Transport card (2007-2010) ... 102

Illustration 84 Moscow transport card shipments (2010-2016) ...... 104

Illustration 85 Reloadable transport card shipments (2010-2016) .. 104

Illustration 86 Bank cards market statistics (2009)...... 108

Illustration 87 Mobile commerce landscape, prospects 109

Illustration 88 Bladox Waver .... 112

Illustration 89 Bladox Waver installed in Nokia phone.. 112

Illustration 90 Aeroexpress NFC payment scheme 113

Illustration 91 MegaFon NFC sticker... 114

Illustration 92 Top 5 Russian pay-TV operators, by subscribers (2009) ... 119

Illustration 93 Top 5 Russian satellite TV operators, by subscribers (2009) .... 119

Illustration 94 Satellite TV development.... 120

Illustration 95 Smart USB tokens market repartition (2010).. 123

Illustration 96 Microprocessor smart secure devices (2010-2016) .. 127

Illustration 97 Memory card shipments (2010-2016) .... 127

Illustration 98 Sitronics key facts...... 131

Illustration 99 Sitronics' financial results (2010) .. 133

Illustration 100 Sitronics Microelectronics financial results (2010). 133

Illustration 101 Sitronics Microelectronics revenues (2009-2010) .. 134

Illustration 102 Key products, in % of segment revenue (2010) ..... 134

Illustration 103 Sitronics company geographies, in % of the segment revenue (2010) ....135

Illustration 104 Integrated circuits market volume (2010-2016).... 136

Illustration 105 Sitronics value chain positioning . 136

Illustration 106 Orga Zelenograd value chain positioning ..... 137

Illustration 107 NovaCard value chain positioning 139

Illustration 108 Rosan Finance value chain positioning. 141

Illustration 109 INPAS Technologies value chain positioning . 143

Illustration 110 Angstrem value chain positioning 145

Illustration 111 G&D Znak Card value chain positioning 146

Illustration 112 Ambiq Technology value chain positioning... 148

Illustration 113 Svetlana-Kart value chain positioning.. 149

To order this report:

Credit_Card Industry: Russia Smart Card Market 2012

Contact Nicolas: [email protected]
US: (805)-652-2626
Intl: +1 805-652-2626

SOURCE Reportlinker

More Stories By PR Newswire

Copyright © 2007 PR Newswire. All rights reserved. Republication or redistribution of PRNewswire content is expressly prohibited without the prior written consent of PRNewswire. PRNewswire shall not be liable for any errors or delays in the content, or for any actions taken in reliance thereon.

@ThingsExpo Stories
GENBAND has announced that SageNet is leveraging the Nuvia platform to deliver Unified Communications as a Service (UCaaS) to its large base of retail and enterprise customers. Nuvia’s cloud-based solution provides SageNet’s customers with a full suite of business communications and collaboration tools. Two large national SageNet retail customers have recently signed up to deploy the Nuvia platform and the company will continue to sell the service to new and existing customers. Nuvia’s capabilities include HD voice, video, multimedia messaging, mobility, conferencing, Web collaboration, deskt...
The WebRTC Summit 2014 New York, to be held June 9-11, 2015, at the Javits Center in New York, NY, announces that its Call for Papers is open. Topics include all aspects of improving IT delivery by eliminating waste through automated business models leveraging cloud technologies. WebRTC Summit is co-located with 16th International Cloud Expo, @ThingsExpo, Big Data Expo, and DevOps Summit.
SYS-CON Media announced today that @WebRTCSummit Blog, the largest WebRTC resource in the world, has been launched. @WebRTCSummit Blog offers top articles, news stories, and blog posts from the world's well-known experts and guarantees better exposure for its authors than any other publication. @WebRTCSummit Blog can be bookmarked ▸ Here @WebRTCSummit conference site can be bookmarked ▸ Here
SYS-CON Events announced today that Cisco, the worldwide leader in IT that transforms how people connect, communicate and collaborate, has been named “Gold Sponsor” of SYS-CON's 16th International Cloud Expo®, which will take place on June 9-11, 2015, at the Javits Center in New York City, NY. Cisco makes amazing things happen by connecting the unconnected. Cisco has shaped the future of the Internet by becoming the worldwide leader in transforming how people connect, communicate and collaborate. Cisco and our partners are building the platform for the Internet of Everything by connecting the...
Temasys has announced senior management additions to its team. Joining are David Holloway as Vice President of Commercial and Nadine Yap as Vice President of Product. Over the past 12 months Temasys has doubled in size as it adds new customers and expands the development of its Skylink platform. Skylink leads the charge to move WebRTC, traditionally seen as a desktop, browser based technology, to become a ubiquitous web communications technology on web and mobile, as well as Internet of Things compatible devices.
SYS-CON Events announced today that robomq.io will exhibit at SYS-CON's @ThingsExpo, which will take place on June 9-11, 2015, at the Javits Center in New York City, NY. robomq.io is an interoperable and composable platform that connects any device to any application. It helps systems integrators and the solution providers build new and innovative products and service for industries requiring monitoring or intelligence from devices and sensors.
Wearable technology was dominant at this year’s International Consumer Electronics Show (CES) , and MWC was no exception to this trend. New versions of favorites, such as the Samsung Gear (three new products were released: the Gear 2, the Gear 2 Neo and the Gear Fit), shared the limelight with new wearables like Pebble Time Steel (the new premium version of the company’s previously released smartwatch) and the LG Watch Urbane. The most dramatic difference at MWC was an emphasis on presenting wearables as fashion accessories and moving away from the original clunky technology associated with t...
Docker is an excellent platform for organizations interested in running microservices. It offers portability and consistency between development and production environments, quick provisioning times, and a simple way to isolate services. In his session at DevOps Summit at 16th Cloud Expo, Shannon Williams, co-founder of Rancher Labs, will walk through these and other benefits of using Docker to run microservices, and provide an overview of RancherOS, a minimalist distribution of Linux designed expressly to run Docker. He will also discuss Rancher, an orchestration and service discovery platf...
SYS-CON Events announced today that Akana, formerly SOA Software, has been named “Bronze Sponsor” of SYS-CON's 16th International Cloud Expo® New York, which will take place June 9-11, 2015, at the Javits Center in New York City, NY. Akana’s comprehensive suite of API Management, API Security, Integrated SOA Governance, and Cloud Integration solutions helps businesses accelerate digital transformation by securely extending their reach across multiple channels – mobile, cloud and Internet of Things. Akana enables enterprises to share data as APIs, connect and integrate applications, drive part...
SYS-CON Events announced today that Vitria Technology, Inc. will exhibit at SYS-CON’s @ThingsExpo, which will take place on June 9-11, 2015, at the Javits Center in New York City, NY. Vitria will showcase the company’s new IoT Analytics Platform through live demonstrations at booth #330. Vitria’s IoT Analytics Platform, fully integrated and powered by an operational intelligence engine, enables customers to rapidly build and operationalize advanced analytics to deliver timely business outcomes for use cases across the industrial, enterprise, and consumer segments.
SYS-CON Events announced today that Solgenia will exhibit at SYS-CON's 16th International Cloud Expo®, which will take place on June 9-11, 2015, at the Javits Center in New York City, NY, and the 17th International Cloud Expo®, which will take place on November 3–5, 2015, at the Santa Clara Convention Center in Santa Clara, CA. Solgenia is the global market leader in Cloud Collaboration and Cloud Infrastructure software solutions. Designed to “Bridge the Gap” between Personal and Professional Social, Mobile and Cloud user experiences, our solutions help large and medium-sized organizations dr...
SYS-CON Events announced today that Liaison Technologies, a leading provider of data management and integration cloud services and solutions, has been named "Silver Sponsor" of SYS-CON's 16th International Cloud Expo®, which will take place on June 9-11, 2015, at the Javits Center in New York, NY. Liaison Technologies is a recognized market leader in providing cloud-enabled data integration and data management solutions to break down complex information barriers, enabling enterprises to make smarter decisions, faster.
Cloud is not a commodity. And no matter what you call it, computing doesn’t come out of the sky. It comes from physical hardware inside brick and mortar facilities connected by hundreds of miles of networking cable. And no two clouds are built the same way. SoftLayer gives you the highest performing cloud infrastructure available. One platform that takes data centers around the world that are full of the widest range of cloud computing options, and then integrates and automates everything. Join SoftLayer on June 9 at 16th Cloud Expo to learn about IBM Cloud's SoftLayer platform, explore se...
@ThingsExpo has been named the Top 5 Most Influential M2M Brand by Onalytica in the ‘Machine to Machine: Top 100 Influencers and Brands.' Onalytica analyzed the online debate on M2M by looking at over 85,000 tweets to provide the most influential individuals and brands that drive the discussion. According to Onalytica the "analysis showed a very engaged community with a lot of interactive tweets. The M2M discussion seems to be more fragmented and driven by some of the major brands present in the M2M space. This really allows some room for influential individuals to create more high value inter...
The world's leading Cloud event, Cloud Expo has launched Microservices Journal on the SYS-CON.com portal, featuring over 19,000 original articles, news stories, features, and blog entries. DevOps Journal is focused on this critical enterprise IT topic in the world of cloud computing. Microservices Journal offers top articles, news stories, and blog posts from the world's well-known experts and guarantees better exposure for its authors than any other publication. Follow new article posts on Twitter at @MicroservicesE
SYS-CON Events announced today the IoT Bootcamp – Jumpstart Your IoT Strategy, being held June 9–10, 2015, in conjunction with 16th Cloud Expo and Internet of @ThingsExpo at the Javits Center in New York City. This is your chance to jumpstart your IoT strategy. Combined with real-world scenarios and use cases, the IoT Bootcamp is not just based on presentations but includes hands-on demos and walkthroughs. We will introduce you to a variety of Do-It-Yourself IoT platforms including Arduino, Raspberry Pi, BeagleBone, Spark and Intel Edison. You will also get an overview of cloud technologies s...
SYS-CON Events announced today that SafeLogic has been named “Bag Sponsor” of SYS-CON's 16th International Cloud Expo® New York, which will take place June 9-11, 2015, at the Javits Center in New York City, NY. SafeLogic provides security products for applications in mobile and server/appliance environments. SafeLogic’s flagship product CryptoComply is a FIPS 140-2 validated cryptographic engine designed to secure data on servers, workstations, appliances, mobile devices, and in the Cloud.
Containers and microservices have become topics of intense interest throughout the cloud developer and enterprise IT communities. Accordingly, attendees at the upcoming 16th Cloud Expo at the Javits Center in New York June 9-11 will find fresh new content in a new track called PaaS | Containers & Microservices Containers are not being considered for the first time by the cloud community, but a current era of re-consideration has pushed them to the top of the cloud agenda. With the launch of Docker's initial release in March of 2013, interest was revved up several notches. Then late last...
SOA Software has changed its name to Akana. With roots in Web Services and SOA Governance, Akana has established itself as a leader in API Management and is expanding into cloud integration as an alternative to the traditional heavyweight enterprise service bus (ESB). The company recently announced that it achieved more than 90% year-over-year growth. As Akana, the company now addresses the evolution and diversification of SOA, unifying security, management, and DevOps across SOA, APIs, microservices, and more.
After making a doctor’s appointment via your mobile device, you receive a calendar invite. The day of your appointment, you get a reminder with the doctor’s location and contact information. As you enter the doctor’s exam room, the medical team is equipped with the latest tablet containing your medical history – he or she makes real time updates to your medical file. At the end of your visit, you receive an electronic prescription to your preferred pharmacy and can schedule your next appointment.