An electronic passbook that:

• Updates itself whenever account transacted
• Displays account balances
• Transfers money locally and internationally
• Replicates Internet Banking on SMS

Interfaces with new or legacy core banking systems with minimal effort

An electronic portfolio manager that:

• Is accessible 24x7 without internet access
• Sends buy / sell orders instantaneously
• Updates using SMS the cheapest form of communication
• Displays price changes on ticker display via SMS

Interfaces with new or legacy trading/ accounting systems with minimal effort