UniCredit Bank in the Czech Republic is expanding its mobile financial services to grow brand awareness and its branch network. Some key points: - Mobile banking usage has grown strongly and is becoming more popular than online banking, with mobile banking apps now common after only 3 years compared to 10 years for internet banking. - UniCredit Bank has developed its mobile banking and payments services over time, starting with SMS banking and moving to Java and mobile web applications, and now focuses on a multi-channel strategy integrating branches, ATMs, contact centers, internet and mobile services. - The bank is launching new initiatives like Smart Banking combining online, mobile and payments services, and Mobito which allows customers to deposit cash into