In the early 2000s, globally businesses were going online. While the digital revolution was just around the corner, it had a very low impact in Nepal. There were few alternate payment channels offered by Banks like Debit Cards and Credit Cards. When we launched SMS banking back in 2006, it was well received by customers in the market. As the mobile phone was getting popular and more affordable, we used SMS as the primary channel to notify and alert customers about banking transactions. This immediately created the atmosphere of trust and security amongst customers. We added more features and transactional services.