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In today’s increasingly wireless world, consumers are turning 
in record numbers to mobile devices for greater convenience and 
access to banking and information services.
ith the freedom of mobile devices, bank customers can instantly obtain account balances,
transfer money and even view a mini-bank statement–or set up instant alerts to monitor their
daily account balances, deposit notifications and other personalized information 24 hours a
day, 7 days a week.
The exciting potential of wireless is creating unprecedented opportuni-
ties for banks to connect with their customers. In W estern Europe, the
number of mobile banking accounts is expected to reach 31.8 million
by 2004.1 Expanding wireless capabilities are also helping to drive
growth in North America, where the number of wireless financial 
services users is projected to skyrocket to 35 million by 2005.2 The
Asia-Pacific region is forecast at 12 million subscribers of wireless
financial services alone in 2003.3
The quickly evolving market for mobile banking represents a tremen-
dous opportunity for Euronet Worldwide. Last spring we introduced
Euronet® Mobile Banking as the first financial application that offered
both secure account access and a personalized accounting alerting 
system. Among our new mobile banking clients in 2000 were the Bank
of Cyprus, for its branches in London and Greece, and the National
Bank of Kuwait, for its Lebanon branch, who were both first to market
in their regions. 
To further strengthen our capabilities, we announced strategic alliances
to market and deliver Euronet’s suite of mobile banking solutions with
Aether Systems, Inc. for the US market and with Sila Communications for the European, Middle Eastern 
and Asian markets.  In addition, we formed similar regional strategic alliances with companies like Stet Hellas
Telecommunications S.A., a Greek mobile operator and subsidiary of Telecom Italia Mobile (TIM).
As next-generation mobile technology brings higher data speeds, personalization and other enhancements, 
we believe the future of mobile banking presents great opportunities for Euronet. 
W
National Bank of
Kuwait-Lebanon
First-to-Market 
Mobile Banking
To broaden its cus-
tomer and account
base, the National Bank of Kuwait-Lebanon
(NBK-L) wanted to be first in their market with
a mobile banking solution. In a tight race with a
competing bank, Euronet’s mobile solution was
integrated quickly into the NBK-L’s IT infra-
structure, enabling the bank to be the first to
deliver services in its market.
Together with GSM operator Libancell, NBK-L’s
new mobile banking system offers customers
any time, any place access to their account
information from their GSM telephones.
Linking consumers with any time, any place mobile banking
1 International Data Corporation (September 2000),  2 TowerGroup (September 2000), 3 Meridien Research (August 1999)