Mobile banking consists of complete Java mobile banking solution comprising all internet banking functionalities prepared for retail and corporate clients - fast, secure and user friendly. Electronic bill payment covers bill presentment and payment gateway. eCommerce includes MasterCard Secure Code, verified by VISA compliant 3D Secure ACS and MPI solution. Digital signature is PKI software solution that enables registration of subjects and subscribers with online and offline digital signature and encryption functionality. Strong authentication: user and data/transaction authentication, channel and application independent.