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ith China alone having more mobile connections than America and Europe combined, and India rapidly catching up, Asia is becoming increasingly mobile. Asia Pacific has the largest number of mobile subscribers in the world ' more than 2 billion subscriptions and expected to grow to more than 3 billion by 2020.

Indonesia, the most populous nation in Southeast Asia, will be a big part of that change. Indonesia's mobile market has grown rapidly in recent years, with over 260 million subscribers by early 2012, an increase of nearly 200 million from five years earlier.

There is still room for expansion in Indonesia's mobile market, and Indonesia is predicted to have 444.8 million subscribers by 2017.

Indonesia's the economic outlook for is bright. It is projected to have the third-fastest economic growth next year (after China and India) of the top 10 emerging Asian nations tracked by Barclays Research. The Indonesian government forecasts 6.6 percent to 6.8 percent growth for 2013, after growing 6.5 percent in 2012.

With this amount of projected growth, Indonesia's banking sector is looking at substantial developments over the next 12 months. Mobile already presents itself as an effective channel for improving security through two-step verification methods or SMS alerts accompanying large withdrawals as, increasingly, consumers move beyond simple internet banking to mobile banking which lets them manage their money at their own convenience. These mobile services are becoming more commonplace, as companies and consumers both become more accustomed to the technology and understand its benefits.

But the changing face of modern technology also presents other opportunities. Banks, telecommunications and utilities companies can take advantage of a different kind of mobility, one that creates new options for communication and interaction with customers while reducing the load on call centers. This aspect of mobility does not simply extend to being able to reach customers when they are mobile, but can play a critical, new role in helping organizations to manage their collections and fraud operations.

It moves beyond using human agents in call centers, and leverages automation and interactive multi-channel communication (including email, SMS, and automated voice) to connect with customers.

Personalized, automated, two-way multichannel communication can improve collection rates while minimizing embarrassment and maximizing customer satisfaction.

One major area in which this mobility approach can best benefit these companies is late payments and collections, where business rules and automation combine with best-practice strategies to drastically improve cure and roll rates while improving customer service and cost to collect ratios. Technology affords these companies alternative or complementary solutions to traditional collections methods.

Using technology, collections can create dialogue across multiple channels, including but not limited to automated voice, SMS, e-mail, web and mobile applications. These can reach consumers at their desks, or at home, but have the additional benefit of getting to consumers through their mobile devices.

These customer conversations are driven by a flexible and dynamic rules engine that tailors responses to customer behavior, ensuring that each segment will receive the right message, on the right channel, at the right time for maximum results. This is in contrast with just using a traditional approach of agent calls, one-way SMS messages, and/or letters to collect money.

When combined with best practice collections strategies, this approach can lower cost-to-collect, improve cure rates and customer experience ' especially during the first 30 days of delinquency ' and consistently outperform human agents, delivering: