It is the fast connection that had allowed mobile phones to become multi-functional, and now many 3G phones are similar to Personal Digital Assistants, with operating systems such as Microsoft and Linux. These allow the phones to be used as mini-computers. Some have M-Commerce systems to allow the user to access, organize, and operate financial transactions such as making payments or selling stocks and shares. Many 3G phones also have the GPS, which enables users to know their exact position and to get direction to places they want to go.