Who's Who in Mobile Banking

IBM mainframe information transformation and delivery solutions: JES2Mail & CICS2PDF for outbound delivery of content via e-mail, SMS messaging or Web browser; Mail2ZOS for inbound delivery of e-mail and SMS messaging content. IBM z/OS platform.

The ClairMail System -- a two-way mobile solution for banking, payments and card services through actionable alerts, workflows and personalized touch across multiple mobile channels, including messaging, mobile Web and client applications.

Clickatell Text Banking, Clickatell Alerts.

PAT (Phone Authorized Transfer) mobile payment solutions (PATsend, PATbuy, PATbank).

Mobile transaction services. Enables consumers to securely perform a wide variety of banking and payment functions anytime, using their mobile phone, PDA and other mobile devices. Consumers can also receive offers and view loyalty points on their mobile device.

Metavante Mobile Financial Services: Mobile Card downloadable application with balance inquiry, intra-card transfer, mini-statements; browser access to application; iPhone application in App Store; Mobile Bill Pay with standard bill pay viewing, scheduling, changing, canceling and expedited bill pay; text message balance inquiry through the NYCE Network; and text message debit card alerts. Metavante Prepaid Mobile Financial Services: Text message balance inquiry and alerts; and WAP.

Mobile Money; Mobile Money FastTrack.

Mobile payment and security solutions for banks, payment providers and mobile operators. The Anywhere platform delivers secure mobile banking, payment and security services from a single system which also includes TwoSecure for two-factor authentication.

Suite of applications for banks, mobile operators, third-party payment processors and other enterprises.

Mobile banking -- a secure service platform that communicates with the end user via a mobile operator, safeguarding customer information through end-to-end encryption. The financial institution controls the user experience and security throughout the entire process. Mobile Payment Trusted Service Manager: In NFC ecosystem, can link any bank with any mobile device on any operator's network providing end-to-end security. Enables banks and transit operators to securely download a payment application onto an end user's NFC-compliant mobile phone using carrier's mobile network.

Hardware, software, partners and assets for system integration and hosting for mobile commerce solutions, be they mobile banking (OLB from mobile device) or mobile payments (P2P & P2M). Solutions from SMS (text) to WAP (mobile Internet) to smartphones (downloadable applets and near field communications).

GoDough: Users can conduct typical in-branch and online trans-actions. GoDough supports all account types. The solution also will enable users to initiate bank-to-bank funds transfers, receive designated alerts and make mobile payments to entities other than the offering financial institution.

BankAnywhere, a mobile banking and payments platform for credit unions, retail and commercial banks. First service went live in September 2002. It includes a suite of back-end capabilities such as consolidated enrollment channels, reporting, fraud monitoring and reporting, customer care, and other channel management capabilities.

Three Mode Mobile Banking.

Mobile Money Platform is a customizable platform capable of delivering the next generation of mobile finance, including banking payments, stock trading, deals and rewards, and manage and track.

MONILINK mobile banking and payments network; mobile banking and payments ecosystem.

Mobile Banking Basic; MobileBanking Premium.

P2P payments; lets consumers and businesses purchase, pay and transfer money through any mobile phone.

Retail Banking Mobile Application: Access accounts, transfer funds, manage payments and investments, and access real-time market data/news.

The BlackBerry wireless platform enables carriers, financial institutions and middle vendors to deliver mobile banking solutions to their customers.

S1 Mobile Banking/Postilion Mobile Banking.

Mobile Loan Office, My MoneyManager.

Sybase 365 mCommerce is an end-to-end solution for mBanking, mPayments and mRemittance, designed for mobile operators and financial institutions. The service enables financial institutions to interact with customers in real time through mobile alerts, two-way banking and payment services using SMS, WAP and downloadable client, security enhancement applications such as two-factor authentication (2FA), as well as online tools for marketing campaigns. In December 2008 Sybase acquired paybox Solutions AG, a global provider of mobile payment solutions. Paybox was integrated into the mCommerce business unit of Sybase 365.

TextDebit mobile payments system; TextRequest account management: self-account management through mobile phone.

Mobile banking, mobile contactless payments, mobile remittance and microfinance, mobile identity management, mobile retail (loyalty and remote payments).

VeriSign Mobile Banking allows banks and financial institutions to provide their customers with convenient, on-the-go access to banking and other financial services. These include one-way services such as withdrawal alerts, checking and salary deposit confirmations, account statements, and credit card transaction alerts, and two-way interactive services such as balance inquiries, bill payments and funds transfers, all via the mobile phone.

Portfolio of comprehensive personal financial management (PFM), payments and alerts services via online and mobile channels.

IBM zOS operating systems.

SMS messaging. Supports WAP, HTML browser, variety of client applications. Operator-agnostic; service is white-labeled.

Customers can pay bills, transfer funds or make deposits via the mobile phone: Clickatell delivers a flexible platform that enables banks to offer tailored mobile banking service to customers. Clickatell Text Banking provides bank balances and transaction information via text messaging, while Clickatell Bank Alerts send SMS receipts to customers when account movement occurs. Banks can also take advantage of Clickatell's secure transaction and payment gateways to interact with customers.

Global mobile payment message routing; customers download bank-branded Java application to their mobile phones.

Firethorn offers both an SMS solution and an application. It is currently installed at OEM level for AT&T Wireless customers.

Firethorn offers both an SMS solution and an application. It is currently installed at OEM level for AT&T Wireless customers.

Mobile Money and Mobile Money FastTrack are available in an in-house or hosted version. The "triple play" technology supports the three primary mobile access modes -- mobile browser, SMS and downloaded application -- through a single platform. The downloaded application enables mobile banking on high-profile devices such as the BlackBerry and the Apple iPhone. Functions include balance inquiries, transaction history, account transfers, bill payments, one- and two-way account alerts, and an ATM and branch locator. Supports online and off-line user enrollment.

Downloadable Java application for full mobile banking and payment capabilities, plus two-factor authentication. Two-way SMS for alerts, information services and two-factor authentication. All services are available from the one platform.

SMS, downloadable application, Web-browser; use of SIM card in GSM handsets for security.

Hosted services or software licenses for platforms; consulting; bank cards and UICCs/SIMs; personalization services; and Over the Air (OTA) service management. Mobile banking works on any wireless device and uses the SIM's secure computing environment to control the mobile banking application, allowing secure access to a user's account with banking-grade 3DES encryption. Mobile payment with NFC includes account personalization services and OTA service management to securely personalize mobile devices.

IBM Payments Framework, Telco Service Delivery Platform, Retail Store Infrastructure Frameworks, distribution channel management services.

Browser-based solution; device- and carrier-independent. Fully integrated with JHA's three core processing systems and will be fully integrated with its core processing system for credit unions. Currently supporting 46 carriers.

Access modes -- SMS, WAP and downloaded application (J2ME, BREW, Windows Mobile, BlackBerry, Android and iPhone), all off a single deployment and core system interface, and includes banking transactions and one- and two-way alerting. Licensing is based on a one-time license fee for every registered consumer on the platform or can be hosted for monthly active user fee. Solution includes mobile payment models including bill payments, point-of-sale merchant payments, remote merchant payments and P2P (domestic and international) payments.

Integrated SMS, WAP and mobile applications, including native support for iPhone and iPod Touch. One integrated solution, for consistent brand experience across all modes and no need to integrate with multiple vendors. The Three Mode offering ensures the broadest device coverage, and mFoundry's product can deliver the appropriate mode for a consumer's device for the best possible user experience.

Mobile browser, SMS and downloadable application; supports iPhone, Android, Windows Mobile and BlackBerry.

NYCE Payments Network; bank customers' payments processors.

Browser-based/mobile Web interface; SMS for real-time alerts. WAP-based.

Mobile application, text message, mobile Web, widget or Obopay.com.

Pyxis Mobile's Application Studio.

RIM provides platforms and solutions for seamless access to e-mail, phone, SMS messaging, and Internet and intranet-based applications.

Fully integrated into S1 Online Banking and managed through S1 Application Manager configuration settings to offer mobile to select customer segments or all customers; applies Online Banking entitlements to mobile channel access to features and limits. Consumer- and small business-focused banking and payments functionality available on mobile browser or SMS modalities. Postilion for mobile banking can be deployed on different mobile technologies (structured SMS, WIG, S@T, WAP, Java client).

Sprint Nationwide PCS Network.

Intelligent SMS, mobile browser, rich phone application, USSD, STK, SMS Locater Service, mobile marketing suite, connectivity to Sybase 365's global (mobile) messaging hub.

SMS text messages; text alerts; mobile Internet.

Tyfone has designed the world's first secure memory card with integrated smart card chip (secure element), an NFC chip and a miniature antenna. This patent-protected secure memory card is capable of operating in any standard memory card slot. The solution enables an issuer-centric model allowing the issuer to control both channel and customer. Tyfone's approach is globally scalable, enabling communications with customers on any mobile phone using any network operator infrastructure.

VeriSign's flexible solution uses SMS/MMS and Click-to-WAP to deliver real-time information to the mobile user, providing a foundation for value-added services; VeriSign offers a carrier-grade and device-agnostic solution.

Yodlee makes its services available to consumers via financial institutions and portals that white-label the solutions. Flexible deployment options include ASP, SDK (Software Development Kit) and Enterprise.

Hancock Bank, BancorpSouth

PNC Bank, BB&T, Bank of Stockton, Cascade Bank, Alerus Financial, City Bank Texas

VISA, Standard Bank, First National Bank, Metropolitan, Moneybookers, Old Mutual, Capitec, Nedbank

NA

BancorpSouth, Synovus, Wachovia, SunTrust, Regions Bank, America First Credit Union, Arvest Bank, FirstBank

NA

Bangkok Bank

Kiwibank, Bank of New Zealand (BNZ), ASB Bank, Credit Agricole

MTN Banking (South Africa), Capitec Bank (South Africa), Standard Bank (South Africa)

More than 400 mobile telecom operators, 300 of the world's top-tier financial institutions and the governments of more than 30 countries for mobile security. For mobile operators, more than 170 Over the Air (OTA) platforms in the field, managing 800 million subscribers.

HSBC, Caixa, Credit Agricole, First Data Corp, AXA, Mitsubishi Bank, among others

153 banks nationwide

GE Money, ANZ, National Bank, Paymark, Westpac, Bangkok Bank, WaMu/Chase

BB&T, Citibank, Citi-County Federal, IBC, PNC, Zions Bank

Citibank North America, Hong Kong, Philippines, China, Singapore

HSBC, First Direct, Alliance & Leicester, Royal Bank of Scotland, Natwest, Ulster Bank

Cardinal Bank, Digital Federal Credit Union, Flagstar Bank, Patelco Credit Union, Salem Five Bank

Citigroup

NA

Bank of America

NA

NA

United Bank of India, Citibank, Compass Bank, Mobilcom/A1 Bank (Austria), MasterCard, One Austria, Vodafone Egypt, Maxis Malaysia, Commonwealth Business Council Uganda, Lari Exchange UAE

Royal Bank of Scotland, NatWest, Mint

West Coast Bank, Bank of Oswego

VeriSign is currently working with six of the top 10 largest banks in North America, three of the top five credit card issuers, and global leaders in online payment and remittance solutions. Its customers include Western Union, Fifth Third Bank, US Bank and Huntington National Bank.

Yodlee works with 100+ leading financial providers worldwide, with 20+ million consumers of Yodlee-powered services.

IBM

Fidelity National Information Services (FIS), WAUSAU, Diebold, VeriSign, TELUS, mBlox

mFoundry, S1 Corporation, Postilion, RSA

PROSA (Promocion y Operacion, S.A. de C.V. - Mexico); IBM, CSC, LogicaCMG

Acquired by Qualcomm; CheckFree, Fundtech, AT&T, Verizon Wireless, Sprint, Alltel, CellularSouth

Monitise

Mobile Money and Mobile Money FastTrack incorporate technology from M-Com, Inc. Fiserv works with VeriSign for SMS aggregation.

LogicaCMG, IBM, RSSS, CC Pace, Fronde Systems Group (New Zealand), Metia

Gemalto, S1, Postilion, MasterCard, Verean, TTM

Hundreds of mobile telecom operators, financial institutions

Sybase365, Nokia, ACI, Amdocs, Cisco Systems, FIS (formerly Metavante)

NA

Fiserv's exclusive mobile banking and payment solution partner, powering the Mobile Money from Fiserv product line (available as in-house, hosted and ASP options)

NCR, First Data, Fidelity, PSCU, ACI, Co-Op Financial Services

NA

Metavante, VocaLink, Vodafone, T-Mobile, Hutchison 3G, O2

Airi, Cordial, Corillian (Checkfree), Digital Insight, Fujidenshi.com, Hewlett-Packard Korea, iWap, iMetavante, MTI (Japan), NCR, Open Solutions, Semotus Solutions, System Warehouse (Japan)

Unit of PayPal

AT&T, Verizon Wireless, RIM, Microsoft, Palm, Concur, Thomson Reuters

Pyxis Mobile

NA

iAnywhere

C-SAM, IBM, Sun Microsystems

PayPoint

i-Flex

ClairMail, Fiserv

Vodafone UK