Mobile banking has gained a lot of popularity in very less time and is poised to gain more popularity in the years to come. People who have been using this service are very excited due to the introduction of such a facility by the banks.
Presently Seven banks—State Bank of India, ICICI Bank ,HDFC Bank , Yes Bank , Axis Bank , Union Bank of India and Bank of India are providing this service to their customers and more banks are expected to follow very soon.
Mobile banking has made the access to the accounts for the customers very easy. They could operate their account from anywhere and at any time. People can check their account details make payments, pay bills, recharge their phone etc and the services provided under mobile banking are likely to expand very soon. In the years to follow people might start using their mobile phones as a smart card for a ride in metro or toll tax on highways would be done through mobiles. There would be no need to carry cash or credit/debit cards.
It is very easy to avail this facility , all that a user requires is just a GPRS enabled phone then the other mandatory thing is that the phone number of the user must be registered with the bank. Then the user have to send a text message given by the bank, then the bank will send a link to the user. The user need to download it, and it is done. Now the mobile is not just an ordinary mobile, now it is “mobile wallet”.
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