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SMS Banking Services: A 21st Century Innovation in Banking Technology

Emmanuel Rotimi Adagunodo, Oludele Awodele, Olutayo Ajayi

Open publisher page 28 citations

Abstract

According to the Euronet mobile Banking Guide, there are currently close to 400 Mobile Operators in over 133 countries who are signing up 4 to 6 new customers every second. This implies that more people are going mobile like never before. The novel method presented in this paper is an Interactive SMS Banking Agent that is incrementally scalable for banking operations. Hence, a mobile banking solution called SMS Banking that allows people to bank with their mobile phones is presented in this paper.

About this research paper

What this paper is about

According to the Euronet mobile Banking Guide, there are currently close to 400 Mobile Operators in over 133 countries who are signing up 4 to 6 new customers every second. This implies that more people are going mobile like never before. The novel method presented in this paper is an Interactive SMS Banking Agent that is incrementally scalable for banking operations. Hence, a mobile banking solution called SMS Banking that allows people to bank with their mobile phones is presented in this paper.

Why it matters

OpenAlex reports 28 citations for this work. Citation counts describe recorded attention and do not establish research quality.

Key contribution

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Method / approach

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Main findings

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Available abstract

According to the Euronet mobile Banking Guide, there are currently close to 400 Mobile Operators in over 133 countries who are signing up 4 to 6 new customers every second. This implies that more people are going mobile like never before. The novel method presented in this paper is an Interactive SMS Banking Agent that is incrementally scalable for banking operations. Hence, a mobile banking solution called SMS Banking that allows people to bank with their mobile phones is presented in this paper.

Key concepts: Mobile banking, SMS banking, Business, Retail banking, Scalability, Banking industry, Computer science, Mobile computing

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