Lumbini Smart vs Karmath Smart Banking

This is Omni Channel Based Mobile Banking Application for Customers of Lumbini Bikas Bank Ltd. Application allows their Customers to -Check Balances -Request Mini-Statement -Transfer Funds to different accounts. -Buy Airtime topups -Make Payments and many more services. Please follow the steps below to use the application. 1. Open the app (Lumbini Bikas Bank Ltd Mobile Banking) in iphone home screen. 2. Choose the required services from the menu in the app. 3. Fill the required credentials in the provided form and click Send Button. SMS will be send to shortcode 34142. 5. You will receive the appropriate SMS as a response for your request. Procedures to use the services. 1. Balance Enquiry Description : Make request for the current available balance in bank account. Fields : a. PIN : PIN provided by the bank when registered for mobile banking services. b. A/C Alias : This is optional field. When account number or account alias is entered provided by bank, customer can get the current available balance for the respective entered account. If left empty, customers get current available balance for default account. 3. Fund Transfer Using Account Description : Transfer fund from one account to another. Fields : a. PIN : PIN provided by the bank when registered for mobile banking services. b. Amount : Amount the customer want to transfer. c. From A/C : This is optional field. When empty, amount is transfered from customer's default account. When entered specific account no. or account alias, amount is transfered from that account no or account alias. d. To A/C : Receiver's account no or account alias, to which the amount is transfered. 5. NT Landline Bill Payment Description : Pay Landline bill of Nepal Telecom. Fields: a. PIN : PIN provided by the bank when registered for mobile banking services. b. Amount : Amount to pay c. Phone No. : Landline number for which to pay bill.

Karmath Smart Banking allows its registered users to access their account in a convenient manner. It is secure and is available 24x7. The user can preview their balance, statements, request cheque book, transfer fund and online payments such as mobile topups and internet payments.