There will be over 5 billion mobile phone subscriptions worldwide in 2010. By the end of 2009, that number had already reached 4.6 billion subscriptions, or a 67 percent global penetration rate
Source: International Telecommunications Union,
February 23, 2010
Mobile Payments market to quadruple by 2014, reaching $630bn in value
Source: Juniper Research,
May 4, 2010
Nearly half of mobile phone users worldwide to make Mobile Payments by 2014
Source: Juniper Research,
April 21, 2010
The worldwide number of users of mobile banking and related services is forecasted to grow from 55 million users in 2009 at a compound annual growth rate (CAGR) of 59.2 percent to reach 894 million users in 2015
Source: Berg Insight,
April 23, 2010
The latest annual, quarterly and monthly data reported by central banks show that officially recorded remittance flows to developing countries reached $316 billion in 2009
Source: World Bank,
April 23, 2010

PATbank enables Financial Institutions to customize a full suite of dynamic mobile banking solutions for their retail, private banking and wealth management customers.

The content, control, features and flow are bank specific and can be modified without changing or re-installing the mobile client. This lowers the cost of deployment and allows each bank to customize their competitive offering.

Banks can also deliver personalized services for individual customers, providing direct marketing opportunities and an improved customer experience.

Examples: Mobile Banking

  • View account balances
  • Account transfers
  • View statements
  • Pay bills
  • View most recent transactions
  • View investment portfolios
  • Branch and ATM location lookup
  • Customer service support
  • Out of band authentication
Flash Demo

End User Experience

The bank-branded PATbank software downloaded to the customer’s mobile phone provides access to banking services and other available PAT products.

Abbreviated Call Flow

Benefits to Financial Institution

  • Customer acquisition and retention
  • Ability to control and customize the product
  • Improve customer banking experience
  • Introduce new services or add features without updating the mobile client
  • Ability to generate personalized services for individual customers
  • Ability to offer direct marketing opportunities
  • Reduce operating expenses by encouraging customers to use lower cost self service methods
  • Multilingual

Benefits to Bank Customers

  • Anytime, anywhere access to banking information
  • Convenient
  • Fast
  • Secure
  • Easy to use
  • Single sign-on to send money, make purchases or access mobile banking