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Microsoft lifted the lid on two new wallet-friendly handsets at Mobile World Congress (MWC) 2015, as it continues to target cost-conscious consumers to boost take up for its Windows Phone platform.

The Lumia 640 is priced £100 and features a 5-inch screen, support for 3G and LTE networks, an eight-megapixel camera, a beefy 1.2Ghz quad-core processor and Near Field Communications (NFC) technology for contactless payments.

Opt for the Lumia 640 XL and the spec sheet isn’t too different, except you’ll get a larger 5.7-inch 1080p display, a 13-megapixel camera for 189 Euros. That’s about £135.

Both new Lumia kits feature a free 12-month subscription to Office 365, which is pretty sweet if you’re all about productivity.

And although both run Windows Phone 8.1 out of the box, they’ll both be upgradable to the latest Windows 10 software when it's made available.

Naturally, Microsoft is offering them in the Lumia range's trademark range of colours. These are: blue, orange, cyan and white.

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Samsung is in talks to buy LoopPay, a U.S. startup which offers mobile payment solutions. The move is being seen as an attempt by the Korean company to counter Apple Pay, Cupertino’s recently released NFC payment system.

Anonymous sources, speaking to Recode, have said that a deal is in its early stages and ‘could still fall apart’. However, one insider said that a prototype Samsung phone with LoopPay’s tech baked in has already been built.

As well as supporting NFC payments, LoopPay also has its own system which does not require the contactless tech. Its method mimics a credit card’s magnetic strip, with users able to hold a device above a payment machine’s swipe slot and transfer their details. It already sells iPhone cases and a key fob which offers this technology.

Such tech would make any Samsung phone which used LoopPay compatible with far more pay terminals across the pond compared to Apple Pay, at least in the short term.

The sources also claimed that Samsung’s fingerprint tech, found in its Galaxy S5 and Galaxy Note 4 handsets, would be used in conjunction with LoopPay in order to give it added security.

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BlackBerry’s (nee RIM) claim that it is struggling to fulfil massive demand for the first-ever BlackBerry 10 smartphone has been called into question by informal testimonies from UK retailers, in an early sign that the warm reception afforded the handset may not be enough to save the beleaguered phone-maker.

Billed as a make-or-break device by tech watchers and business bods alike, the BlackBerry Z10 hit retail last week in the UK and is set to go on sale worldwide over the next month
.

Within days of its UK street date, Thorstein Heins, BlackBerry CEO, claimed that sales of the smartphone were “beyond expectations" and that the white model had already sold out. Demand for the black edition of the handset is also strong, with the result that BlackBerry was struggling to service demand, Heins told an interviewer.

So all’s well in the BlackBerry bush and its shareholders can rest easy? Hmm. Don't be so sure. If retailers questioned by news sites are anything to go by, the prognosis for the one-time mavens of mobile messaging is much less rosy.

According to Phones 4U, which was contacted by the Telegraph, there are still “plenty” of BlackBerry Z10 kits in their inventory. Meanwhile, Mobile News got in touch with the same retailer and was told that the white model was also still easy to come by.
Heins’ cheerleading on behalf of his company’s new challenger, while not surprising, could emerge as something of an own goal for BlackBerry, making the company seem desperate to put a positive spin on Z10 coverage.

But with the Q10, which sports a keyboard to appeal to BlackBerry phones' core market of heavy messagers, due to land later this year, we think you'd be a fool to write off the company's comeback chances just yet.

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Dismissing the iPhone as a lost cause in the face of increasingly stiff competition is a somewhat churlish pursuit.

Some 47.8 million iPhone sold in its last reported quarter suggests Apple is doing ok, thank you very much.

Yes, Samsung, HTC and BlackBerry are making strides. Sammy in particular is becoming a dominant force.

But it’s pretty clear that the general public still can’t get enough of Apple. Which is why, on the one hand, it’s easy to dismiss the recent comments about the iPhone made by BlackBerry CEO Thorsten Heins.

In an interview with an Australian business site, Heins, while praising the Apple smartphone for paving the way for today’s generation of handsets, suggested Cupertino’s blower looked a bit tired.
“The rate of innovation is so high in our industry that if you don’t innovate at that speed you can be replaced pretty quickly,” said Heins.

“The user interface on the iPhone, with all due respect for what this invention was all about, is now five years old.”

Cue Apple fanboys losing their cool and even measured commentators pointing out that BlackBerry has hardly been a byword for innovation in the six years since the iPhone’s inception.

Very true – this is the company that claimed the iPhone wouldn’t trouble it and released a slew of half-baked kits that failed to pass muster against the competition.

The Z10 is an exception, but in terms of sales is still well off the pace set by Apple and Samsung.

However, there is a kernel of truth in Heins’ remarks, setting aside the irony of the person delivering them.
iOS still serves up the very best apps, but look at the iPhone 5 and original iPhone and the premise of the operating system is still essentially the same.

Check out the similar buttons, admittedly with more options such as multi-tasking and improved notifications. Then there’s a keyboard that feels identical. All of which adds up to a user experience that has hardly changed.

Compare that to how Apple’s OS X desktop software has changed in the same time. The jump from Tiger to Mountain Lion is huge.

In part, this continuity is a success for Apple. People intuitively know how to use iOS and iPhones.

But Microsoft’s Windows Phone Live Tiles and even BlackBerry 10, have shown how this can be built on and developed.

Likewise HTC Sense and stock Google Android have both developed massively, the latter now far better than it was on its first forays in 2008.

Jony Ive’s shift to overseeing software as well as hardware design at Apple, as part of an exec team reshuffle in late 2012, points to iOS 7 making a bolder leap forward.

Hopefully, it’ll give iOS a bit of a boost and push it beyond a growing roster of decent competitors.

Yes, Heins has set himself up for all kinds of web aggro. But his words undoubtedly represent the belief of many iPhone users.

It’s time for a brave leap forward, something that can really show why Apple is still the great innovator it always has been.

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The Optimizatization of processes achieved through integrated systems makes claims management more intelligent, predictive and proactive. Fragmented customer benefits, claims and transactional data are thankfully a thing of the past. The benefits of an integrated system are tangible. Loss predictability is more refined. Claim file information is entered once and shared in accordance with established rules, helping to eliminate the chance of duplication in data entry and thus reducing costs.

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The very best parts of Note phablets are arguably even better on the Note 8.0. Not least the excellent split screen, dual-app multi-tasking mode, which is much more practical on a display this size. Although we have deduced points for the fact that this feature is only supported by a limited number of apps.

The stylus makes more sense on the larger screen too, which is why we think you’ll make much more use of the S-PEN with this device than you might with its more pocketable forbears.

Apps created for the S-PEN that you’ll find pre-installed include S Note that lets you scribe and draw little memos and the S Planner diary tool. And to prove it’s not all work, work, work with the Note 8.0 there’s also Paper Artist that lets you work up convincing-looking pencil sketches.

That’s before you get to other proprietary apps. These take in Samsung Music Hub, Dropbox for cloud storage, video streaming app WatchON and, perhaps coolest of all, a built-in infra-red remote control.

As with the Galaxy S4, there’s a price to pay for all these pre-installed applications, though. They take up an awful lot of storage out of the box, with 10-11GB remaining on the entry-level 16GB model (this depends on your carrier) available to use. For that reason you may want to invest in a microSD card, with which you can boost capacity by up to 64GB.

Rounding things off is the Note 8.0's eight-megapixel camera which won’t win any awards, but is perfectly serviceable for most people’s needs.

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Nokia’s fall from preeminent mobile maker to third–placed smartphone scrapper has been a long slide rather than a sudden blip.

Unlike HTC, Nokia’s business took years to slip from its position.

An embattled executive team tried and failed to relaunch Symbian, saw the new hope of Meego disappear, before Windows Phone was introduced in an attempt to bring some order back to Espoo.

But with Lumia smartphone sales gradually rising (7.4 million Windows Phone 8 devices sold in Q2 2013) and losses seemingly under control (just the £98.5 million lost in the same period), Nokia looks as if it’s making its way back to stability.

Its new Lumia 1020 should give it a major boost when it finally hits shelves later this summer, after a glitzy New York launch last week.

More phones, especially budget versions of its Lumia range, are expected to land before Christmas. In short, Nokia should be even stronger come the end of 2013.

That’s important for so many reasons.

Perhaps most importantly, it gives Microsoft’s well thought-out mobile OS a platform on which to launch more sustained attacks on the big boys of Android and iOS.

The more Windows Phone Nokia sells, the more likely developers will get on board and create an ecosystem to rival that of Google and Apple.

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