Cardless Withdrawal System for Mobile Banking Applications


  • Calin Mihai Istrate The Bucharest University of Economic Studies


Mobile banking, Mobile payments, Cardless withdrawal


With the whole world going mobile and with the threats represented by third party mobile payments, the banks need to react and offer their clients innovative integrated solutions for payments and money transfer. Mobile banking applications are more and more used, and the possibilities to expand are still open.

A cardless withdrawal solution integrated in an already developed smartphone mobile banking application might just give an edge in the fight with other competitors. By using SMS technologies for sending money to other people the appeal of such an application will rise considerably and will attract more and more clients. It is very important to keep the mobile payment endorsers as clients of the bank and not some other provider.

Author Biography

Calin Mihai Istrate, The Bucharest University of Economic Studies

IT&C Security Master Program

Department of Economic Informatics and Cybernetics


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How to Cite

Istrate, C. M. (2014). Cardless Withdrawal System for Mobile Banking Applications. Journal of Mobile, Embedded and Distributed Systems, 6(1), 11-16. Retrieved from