The framework uses familiar Web technologies that are likely to be used within any Information
                Technology department. The underlying mobile-development framework is Adobe
                PhoneGap, which is an open-source multiplatform mobile-application framework. The
                reference smartphone application connects to the back-end server, and includes a set
                of features: 
- Banking Mobiliser – provides mobile banking functions
                        with various service levels.
- Core Money Mobiliser – provides basic mobile wallet
                        functionality and alerts. 
- Open Bank API – allows signing in via a third-party banking system, and
                        managing checks, various bank accounts, and favorites. 
The application has a standard and easy to navigate look and feel.