1. Acess Anywhere so pay anywhere
2. Location based service
3. Mobile marketing, which includes things such as loyalty programs, ads, and electronic coupons. MasterCard plans to offer rewards and special offers via text messages that customers can redeem when they visit stores, as an incentive for using its mobile services. Similarly, Visa will provide customers with electronic coupons on their cell phones as part of its payment-related services. Other companies have similar mobile marketing efforts under way.
4. SMS receipts, text alert
5. Mobile top up: 直接支付到手机号
see this http://www.ocbc.com.sg/personal-banking/banking/Bnk_Ebk_MobileBnk_mbrportal.shtm
and this http://www.lloydstsb.com/media/lloydstsb2004/flash_files/lloydstsb_mobile_banking_r1.swf
5. 曲线管理。 消费分析