Over half a Billion people to use mobile money transfer services by 2014
Source: Juniper Research,
October, 2009
In 2013 almost 300 Billion transactions, worth more than $860 Billion, will be conducted using a mobile phone – a twelve-fold increase in gross global transaction values in just five years
Source: Informa Telecoms & Media,
February, 2009
424 Million consumers will be sending over $157 Billion of personal funds via mobile domestically, whilst a further 73 Million will be sending $48 Billion of funds via mobile internationally
Source: Informa Telecoms & Media,
February, 2009
International mobile money transfer services to exceed $65 Billion by 2014
Source: Juniper Research,
October, 2009
Gross transaction value of mobile payments in the US will reach $25.2 Billion in 2013
Source: Research and Markets,
September, 2009

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