Facts were pointing out key reasons why mobile phone would become a massive financial strategic channel to survive the heat-up competition in banking market. Statistics indicates the escalation of mobile usage worldwide has exceeded that of the internet while continuous improvement of mobile connectivity technology stretches the limitation of reaching out for information. Moreover, the mobile device itself quickly evolves to the point where exquisite display and user-friendly application design appear to be increasingly seductive to mobile phone carriers.
     Without handset and connectivity constraints, Mobile Commerce including Mobile Banking and Mobile Payment attract a large amount of subscribers in an instant. Mobile Banking offers convenience to complete banking activities with no time-consuming processes and  cut down the unnecessary expenses in traveling to bank branches serving the need of today’s economy crisis.