MOBILE BANKINGMOBILE COMMERCEREMITTANCES Makes life simpler Redefines mobile usage Redefines utility Saves time & energy Gives you peace of mind Repositions the user as one who is savvy & progressive Added convenience & flexibility Repositions payment transactions Safety & security Emergency service Not a recurring need for most (except Mumbai consumers) Value addition but not a core need VALUE IT BRINGS TO THE CUSTOMER TRANSFORMS MY LIFE & LIFESTYLE TRANSFORMS PAYMENTS TRANSFORMS MONEY TRANSFER