the preceding segments correspond to this category, e.g. children and young people 5-22 years, the labour force, educational groups (i.e. university), institutions, government bodies, etc. All of us while not classi- fied in the above categories may also correspond to this segment. 6.5.3 Cost and Services Regardless of who the subscriber is or to what subscriber segment he/she belongs, a user will always be looking to cost-value investments. Costly or too sophisticated communication services will not appeal to any of the aforementioned segments. Expen- sive services like the ones proposed by the Iridium³ group will not gain sufficient pene- tration to justify investments. Thus, 3G services will not only need to be affordable, but also efficient to generate interest in all segments. No doubt, acceptance level will vary from group to group and region to region, but affordability and utility will go before wide acceptance. Hence, the key issue is to meet the needs of whatever segment of the population group. 6.5.4 UMTS Services Technology To meet the needs implies making available the correct tools and environment. Now, if we assume that the infrastructure arrangements will take care of the environment, it remains a big task to find a tool or user equipment device to satisfy users. A terminal not only needs to be a smart device capable of accessing a PS network, sup- port bandwidth on demand, audio streaming, multimedia, it will also need versatility and have multiple capabilities. A multi-functional device will make the difference in future usage and acceptance of higher transmission rates offered through UMTS. Market penetration and widespread usage of these of multimedia services will depend on the available and affordable ter- minals, as well as the pragmatic applications. Wireless device interconnections, intelligent voice recognition, wireless e-mail, simul- taneous voice and data, user defined closed user group, location services [6,8], personal profile portal, location based delivery and marketing will only 