Before 1999, European banks were the first to offer Mobile Banking services via WAP support.

Prior to 2010, SMS banking and mobile Internet were the most popular mobile banking products. Clients were able to download Mobile Banking Apps .

Many financial institutions use SMS and mobile apps to notify their clients of account activity and alert them to possible fraud. They also update customers about service updates and new services.

Examples can be a text message from a bank, notifying users that their ATMs or apps will not be accessible during a particular time period due to system maintenance, or a confirmation text from the bank regarding a transfer carried out by the client via the mobile app.

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