Here are 5 things you may or may not know about a mobile text banking application.
1) Short codes are not purchased. They are leased from the Common Short Code Administration (CSCA). "Selected" codes cost $12,000/year. "Random" codes cost $6,000/year.
2) Have you ever wondered why many banks do not support transfers via text banking? The answer: Not all carriers will approve/support the functionality.
3) Which words/terms must you accept as a clients request to "unsubscribe?"
* Cancel, Cancel All, Stop, Stop All, Quit, Quit All, Unsubscribe, Unsubscribe All, End, End All
4) Whether running in-house or through a vendor you must utilize an aggregator. A few of the top players (in alphabetical order) are: Clickatell, mBlox, Sybase, and Verisign.
5) The carriers insist that you follow the MMA "Consumer Best Practices." Plus, be sure to ask your aggregator/vendor for a copy of the supplemental requirements provided by the carriers.
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