009 will offer enhanced phonebook, rich call and rich messaging. GSM Association is also active in LBS and mobile commerce. Liberty Alliance: The Liberty Alliance was formed in September 2001 by approximately 30 organizations to establish open standards, guidelines and best practices for identity management. Today it has a global membership of more than 150 organizations, including technology vendors, consumer-facing companies, educational organizations and govern- ments from around the world, as well as hundreds of additional organizations that participate in Liberty's various open community Special Interest Groups (SIGs). The consortium is committed to developing an open standard for federated network identity that supports all current and emerging network devices. It has published a number of specifications: identity governance, identity assurance, and web services framework. Mobey Forum: The Mobey forum is a financial industry-driven global forum, founded in May 2000 with the mission of encouraging the use of mobile technology in financial services. Its main focus is in identifying and building suitable detailed Business Model alternatives for Mobile Financial Services. It published a paper "Practice for Mobile Finan- cial Services-Enrollment Business Model Analysis" in 2008 which can be considered as a step towards the standardization for provision aspects of mobile financial services. Next Generation Mobile Communications Ecosystem Mobile Payment Forum: The Mobile Payment Forum is a cross-industry organization with several high profile members such as VISA, MasterCard, American Express, NTT DoCoMo, Scotiabank, and SO on. It was launched in November 2001 with the goal of creating a framework for standardized, secure, and authenticated mobile payments, based on payment card accounts. MPF wants to complement the work of other existing consortia by focusing on the standardization of specific areas. Up to now they have released two documents: a white paper and a risks and threats analysis and security best pract