This document discusses USSD-based mobile banking in India. It outlines the requirements to activate mobile banking, which are having a bank account and a GSM mobile phone. Payments up to Rs. 5000 can be made per day. The registration process involves visiting a bank branch to link a mobile number and bank account to obtain an MMID and MPIN. Changes are being made to simplify the user experience and eliminate the need for a separate MMID.