MM24 is a mobile banking product that allows customers to perform banking, financial and payment transactions using their GPRS and Java-enabled phone anytime, anywhere. It runs as a menu driven application and it eliminates the use of series of strings as it is on SMS mobile Banking. Such strings like: “BAL*CA*PIN" - for Current Account or "BAL*SA*PIN" - for Savings Account are now being replaced with a menu driven application with more services to serve customers better. Such services include:
  

Person-to-Person Transfer (P2P)
Inter-Bank Transfer via NIBSS FasterPay
Fund Transfer to non-customer
Redeem Cash
Cash In (Deposit) & Cash Out (Withdrawal) by Agent
Balance Inquiry (Available Balance, Ledger Balance, Uncleared effect, Current Balance)
Mini-Statement (showing last 5 or 10 transactions)
Bill Payment (DSTV,PHCN,HITV,Water)
Recharge /Airtime Vending or Topup
Registration of Customer
Change PIN
Bulk SMS
Tax/Donations