The growing use of mobile devices, especially mobile phones in daily life of consumers are now increasingly addressed seriously by the banking industry. In developed countries the use of mobile phones as an alternative banking infrastructure has shown rapid development. While developing countries with large populations, was originally prepared to develop the technological infrastructure to be able to offset this trend of urban society.

According to Howard Wilcox, senior analyst at Juniper Research, banks in developed countries, that almost all people have bank accounts, began to target customers in specific segments, by adding a variety of options and banking access channels to serve customers. A strategy that called additive banking could also encompass consumers who do not already have a bank account in the developed countries.

Meanwhile, on the other side of banking in developing countries whose growth is constrained by infrastructure limitations began to increase the range of services to its customers. They expand the service’s reach of conventional branch-based office has its limitations, with make optimum use of wireless phone which is spreading very massive.