The Interaction Manager, (a component of Provenir’s software platform), enables financial institutions to quickly extend their customer reach to new channels and services. It enables consumers to directly interact with their bank through virtually any Internet ready mobile device such as mobile phone, PDA, or PC. Consumers can use their mobile devices to conduct a variety of banking activities such as access account information, transfer funds, make bill payments, apply for loans, check credit card balance, and receive NSF and fraud alerts.