This is the definition of SMS banking according to wikipedia:
"SMS banking is a technology-enabled service offering from banks to its customers, permitting them to operate selected banking services over their mobile phones using SMS messaging".
SMS banking services are operated using push and pull messages. Push messages messegas which the banks choose to send out to customers' mobile phones, without the customer requesting it. An example of a push message would be if the bank notified you by SMS that a large amount of money had been taken from your bank account.
Pull messages are those that are sent to the bank by the customer, using a mobile phone, to make transactions in your account or to obtain imformation about your account. An example of a pull message would be to get an updated balance enquiry from the bank.
Adavantages:
It is faster than visiting the bank to make these enquiries, to simply send a text message
It is an alternative way to contact the bank if you cannot get through by telephone, or if you are not able to access the internet, a telephone or actually vidit a bank.
Disadvantages:
customers may receive a lot of unwanted€ or irrelevant text messages from the bank
If you do not have good signal or a problem with your phone, messages may not be sen or received as desired
"SMS banking is a technology-enabled service offering from banks to its customers, permitting them to operate selected banking services over their mobile phones using SMS messaging".
SMS banking services are operated using push and pull messages. Push messages messegas which the banks choose to send out to customers' mobile phones, without the customer requesting it. An example of a push message would be if the bank notified you by SMS that a large amount of money had been taken from your bank account.
Pull messages are those that are sent to the bank by the customer, using a mobile phone, to make transactions in your account or to obtain imformation about your account. An example of a pull message would be to get an updated balance enquiry from the bank.
Adavantages:
It is faster than visiting the bank to make these enquiries, to simply send a text message
It is an alternative way to contact the bank if you cannot get through by telephone, or if you are not able to access the internet, a telephone or actually vidit a bank.
Disadvantages:
customers may receive a lot of unwanted€ or irrelevant text messages from the bank
If you do not have good signal or a problem with your phone, messages may not be sen or received as desired
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