Public Bank has the function of the mobile banking. Mobile banking is users can perform the services of banking but is through the cell phone or mobile phone. Mobile banking is also known as the M-banking, or SMS Banking. The mobile phone or the Personal Digital Assistant (PDA) can be used as the devices for mobile banking. Mobile banking can be used with the mobile phone or even with the PDA. With the mobile banking user can used all mobile banking functions with convenient without going to the bank for these services. But, how many services that are provided is all depends on the bank itself .Now, the user just need to have a mobile phone with the function for the midlet services need to have the Java and mobile information device profile(MID)P 2.0, with general packet radio service(GPRS) or third generation of mobile telephony(3G) access. While for the Wireless Application Protocol (WAP) services then need to have the browser and WAP 2.0 with GPRS or 3G access then can use the function of mobile banking. Users can use this mobile banking no matter at where with the condition that has the mobile phone has this function.

Those users for the mobile banking will be the business man because they will be busy for their work so it is much more convenient if they can just do their payment and other services through the mobile banking. Besides that, the user also can be teenagers it is because nowadays those teenagers do not have much patient to go for banks to lining up for the payment so they will choose the mobile banking.

For those user who want to apply for the PB mobile banking system, they must be the existing internet banking customer .Not only users personal can apply for this services, company also can apply for this services but they need to be the existing corporate e-banking customer and have to go to their Account Branch to register for the PB Mobile Banking services.

Users who wish to register for the PB Mobile Banking services can follow the steps which are as follow:

There are many services which are available in the PB mobile banking service .For the individual customers, they can use it for account inquiry which can perform inquiry for the account balance whether there are enough credit or not and those inquiries can be anytime whether is pass record or current records or some specific transaction. It also can obtain the pages that enable users view all the details regarding the bank account, make payments, outlook tax forms, and complex a payment plan. Not only that, for the PB customers also can do payments such as registered bill payment ,card payment for themselves, card payment registered for the third party accounts and the loan payment for own and for the registered third party accounts. Now you can just pay it through the mobile banking service and no need go to the bank for these payments.

Transaction history is for transactions done earlier and the payment history that included deposit, loan/financing, credit/debit card .The users can view back their current balances and the transaction before that .Users can choose to view the transaction items by date range or by account which are current month’s or previous month’s transaction history. If they forget keep record for the month then they can find it back through the payment history so they do not need to worry about it.

Besides that, PB it also have the services of funds transfer. Customers can transfer their funds between members of them but they need to own an account before doing that. They also need to registered 3rd party accounts and registered the interbank GIRO. Users can easily transfer their money between users of the same banks or they even also can transfer their money to the other banks.

Not only that, for the PB customers also can do payments such as registered bill payment ,card payment for themselves, card payment registered for the third party accounts and the loan payment for own and for the registered third party accounts. Now you can just pay it through the mobile banking service and no need go to the bank for these payments.

PB individual users also can do investments with the registered account .After the users decide which to invest in they can pay through the mobile phone. PB also provide for the cheque management, with this users can also request cheque book, stop cheque and check status inquiry.

There are so many benefits of using PB mobile banking. Firstly is that it help to save time for the users .Nowadays most citizens are busy with their job, they do not have sufficient time to go to the bank just for those payment but now with this services they can just use the mobile phone and just press a few buttons then the transactions will be done. So you do not even have to go to the bank and queue up.

Besides that, this PB services is easy to use. Nowadays almost all people own a mobile phone and the users mostly will be familiar with all the functions .Mobile banking services is easy to use you just need to press a few buttons and follow whatever instruction that is provided and save the transactions made then the transaction is consider success fully executed.

Next is that the PB mobile banking services can help users reduce cost. PB provides this facility at the lower costs if compared to conventional banking itself. Users using this service can save a lot of money for the long period.

There are few disadvantages also if using the mobile banking services. Firstly is that the security of using the services. While using this services may be will have such viruses that hack the phone and try to get the users important information and it will may not immune. This will strongly harm the user and may cause them lost their important data or information like password, money and others. Sometimes the user can also be susceptible to a phishing-like scam called “SMiShing”. This is happened when the user receives a fake text message that request for the accounts details.

Next disadvantages of using PB mobile banking services that are the compability of the mobile phone. Not all type of mobile phone is suitable for mobile banking services; this service requires some important function to access in the services. Although some mobile phone has the capacity to browse the internet through mobile phone but the phone cannot support the anti- virus inside.

PB mobile banking services have so many functions and benefits and also disadvantages. So consumers should fully utilize this type of convenient because it really helps a lot but also need to think how to protect their self.