The document discusses Finansbank's use of mobile and alternative distribution channels to engage customers. It notes that people now spend 15 minutes of their day on mobile devices. Finansbank uses SMS messaging to provide account alerts, statements, security codes and advertise promotions to customers. The bank also offers services like loans and money transfers via their mobile banking platform, internet banking and 700 ATMs. Mobile marketing allows Finansbank to run targeted campaigns, send personalized messages and strengthen their brand to acquire new customers and increase loyalty.