A mobile access device includes a memory, a user interface, a transceiver, and a control module. The memory stores a service application. The user interface receives an input from a user to execute the service application. The transceiver signals a vehicle to establish a connection and initiate a location determining process to determine a location of the mobile access device within the vehicle. The control module: determines whether the service application is permitted to be executed based on the location of the mobile access device; based on the location of the mobile access device, performs an identity verification process to verify identity of at least one of the user or the mobile access device; and tracks driving behavior of the user based on (i) whether the service application is permitted to be executed, and (ii) a result of the identity verification process.