The Polish Bank PKO Bank Polski is the first one to introduce (in March, 2013) an app allowing mobile transactions, including ATM withdrawal, without a debit card. Two months after the app introduction over thirty thousands bank customers activated the app.
Last weekend, I for the first time withdrew Polish Zloty using the IKO app and issued my first IKO check to pay my friend for Katie Melua 'Cancer? It's curable' concert.
I cant wait trying more mobile transactions with IKO :)
On iTunes IKO got very high 4+ rating. This is how IKO app is advertised in Google store
“Make payments and withdraw money from ATMs with innovative PKO Bank Polski mobile application. Download IKO application now and see how easy is life without a wallet!
PKO Bank Polski application gives you access to fast and secure mobile payments. IKO allows you to pay with your phone in thousands of retail stores and make withdrawals in the Poland's largest ATM network. With IKO application you can also pay in online stores and send money to your friends giving only their cell phone number.”
Those concerned with security of such transactions I recommend a very good article in the Banking Technology Magazine “Wincor-Nixdorf predicts mobile cash withdrawal explosion” .
"There is an opportunity to make mobile banking even safer than internet banking is today" as stated in the article.
The mobile banking explosion is on the way....
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