But what is evident is that mobile banking as an innovative and inclusive payment method which delivers and fulfills a social need is here to stay. Is mobile the most appropriate delivery channel for banking services? As a logical corollary, should then one conclude that the mobile device is the most appropriate delivery channel for financial services?
If the test of safety, security, soundness, efficiency, accessibility and authorized operations has to be positive, then I think the mobile phone has the capability of providing these services and empowering the common man to conduct his/her payment transactions any time and from anywhere.