This document discusses mobile banking services in Pakistan. It provides an overview of SMS and USSD-based banking services available to customers. These services allow customers to get account alerts and statements, pay bills, transfer funds between accounts and to other customers. The document also discusses the objectives of offering mobile banking, challenges, and the need for an integrated model that allows customers to access services across channels consistently. It highlights the growth of smartphones in Pakistan and potential for increased financial inclusion through mobile financial services.