SMS banking is a technology-enabled service permitting co-operatives to operate selected services over the customers mobile phone using SMS messaging. SMS services are operated using both Push and Pull messages. SMS messages are those that are initiated by the customer, using a mobile phone, for obtaining information or performing a transaction in the bank account. Examples of SMS messages for information include an account balance enquiry, or requests for current information like loan due date and deposit interest rates, etc. The co-operatives customer is empowered with the capability to select the list of activities (or alerts), that he/she needs to be informed. This functionality to choose activities can be done either by integrating to the Internet Banking channel or through the co-operatives customer service call centre.