"Finally there is a mobile phone application for adults," he says. "It's not a ring tone, a game or advertising."

"The only obstacle is that people that have reached a certain age will have to learn to use their phones before they can use the applications," he says.

Grainger thinks there will be a relatively long adoption period before the majority of customers are comfortable using their phones, and thus consider the service a convenient information channel.

M-Com market developer Serge van Dam says the mobile channel demands a simple and easy-to-use interface.

"The service is valuable to people on the go that instantly want to find out how much money they have in their bank account, where the closest Pizza Hut is, or how much a house on a certain address is worth," he says. "I don't think that our applications will be more complicated in the future. They might have more security features, but the format will still be simple."