Mark Windle, head of marketing at OpenCloud, predicts that this year’s reduction in the number of traditional telecoms operators in some countries will provide an opportunity for other operators to innovate and capture market share in 2016.

He says next year will be a year of rapid change for telecoms… whether it’s MVNO disruption, competitive tariff pricing or simply defence from the ‘dark art’ of hacking.

Mark Bridge writes:

The most memorable moments in life often go unrecorded. You don't have your camera in your hands. Your finger is still hovering over the 'pause' button on your audio recorder. Or you were simply too busy experiencing whatever was happening. It's all about the one that got away.

That's where Kapture can help.

This week, Jason Rigby of WhiteQube explains how transparency benefits his sales staff and his customers. Plus the team takes its usual look at mobile industry headlines, from Nokia's new laptop to the World Mobile Phone Throwing Championships.

In this special podcast, Steve Townend talks about new mobile banking and online shopping service MoBank. He discusses mobile payment security, free banking, retail partners... and his plans to change the way the entire banking industry works.

This week Steve Townend joins us to talk about MoBank, the new mobile banking and online shopping service. Plus there's our regular look at the week's mobile industry headlines.

This week's news headlines include another iPhone rumour, falling ringtone sales, online mobile purchases and the MiFi from 3 UK. We also have time for a chat with a mobile mystery shopper.

No phone from Microsoft, SMS bugs, Telefonica's results, Android mobiles from Motorola and more are all covered in the news plus we talk to a real customer about their recent Apple iPhone 3GS purchase.