As a personalized end-user communication instrument, today mobile phones are perhaps the easiest channel on which customers can be reached on the spot, as they carry the mobile phone all the time no matter where they are. IRIS SMS banking module offers both push and pull messages and provides a robust, flexible and scalable operating environment. IRIS is built to be able to work in a multi-host banking environment and has open interfaces which allow for messaging between existing banking host systems using industry standards. IRIS is able to connect seamlessly to multiple SMSC operators depending on the volume of messages that are require to be pushed. The SMSC’s could be different, such as using simple modems or connecting over leased line or through a VPN over internet.