Consumers are increasingly utilising mobile banking services and, according to Finland-based Meridea, it will soon become a part of people’s everyday lives.

To that end, Meridea has developed Smart Client, the first true mobile banking solution, which gives banks the freedom to accommodate their customers at any time or place, even when they are not connected to the wireless network.

As a part of Meridea’s complete banking software solution, Smart Client enables financial institutions to offer a unified customer experience across a range of channels, including the Internet, digital TV, branch and contact centres, as well as the mobile phone.

Smart Client provides a complete framework, including an application delivery mechanism, a security solution and a comprehensive set of tools for customising pre-built business components and creating new mobile applications. The business components are banking and investment specific for those financial services institutions wishing to offer innovative and advanced mobile banking services for their retail customers.

The channels can be used separately but also to complement each other. For example, a busy professional uses a smart client brokerage service to place an order to buy certain shares at the market price – later, he receives an SMS confirmation informing him of the price which the trade has been done at.