Retail and commercial banks worldwide are now able to provide mobile banking services via SMS, WAP and a downloadable Java client, thus increasing flexibility in the interaction with their customers. Sybase mBanking 365 services are designed for financial institutions which plan to interact with customers in real-time through mobile alerts, two-way banking and payments services utilizing SMS, WAP and client based protocols, security enhancement applications such as two factor authentication (2FA), and online tools for marketing campaigns. Sybase mBanking 365 supports natural language technology via the Answers 365 service, which gives customers the possibility to interact and access services intuitively via SMS, while memorizing set keywords is not required.Furthermore, C-SAMs secure Mobile Transaction Platform comes with a series of services offered via a user-friendly mobile client that includes mobile banking, bill payments, money transfers, person-to-person payments, ticketing, coupons, loyalty, stored value, advertising, NFC-based proximity transactions, and other value added services for banks, operators, and merchants. With mobile banking continuing to gain popularity around the globe, providing convenience and flexibility to financial institutions and their customers is crucial, commented Matthew Talbot, vice president mCommerce, Sybase 365, in relation to the market considerations that impulsed the initiative. Adding the C-SAM client enables Sybase 365 to offer financial institutions a one-stop shop for mobile banking services. Whether a bank is looking for SMS messaging capabilities, a mobile internet browser solution, or a high-end client solution ready for NFC transactions, Sybase 365 can now provide a single integrated solution., he further explained.