Such examples can think of many, but the main idea, implicit in the concept GEMINI miniBank – a focus on personal interests of the client, but not to the detriment of his bank. We believe that this is so and should be an application for the PMF: extremely comfortable, extremely customizable, not overloaded with unnecessary features and options, but if necessary, providing the maximum of details of products and banking services and its partners – this client at this time, at a given point of the globe. PMF-cell bank should be another client, even if affiliated with the bank. So, what can you advise the bank that wants to survive and developed in the era of Web 2.0? We believe that the bank should choose the channels of banking services that best meet its development strategy and target customer segments, and implement appropriate channels single integrated multi-channel front-office banking services (eg, it can be channels of automation offices, the Internet channel, and mobile channels that are present in a multichannel system GEMINI Front Office). If the bank's strategy is to attract and retain retail customers, relating to the most active members of Generation X and the financial perspective of Generation Y, should certainly pay attention to channels Mobile Bank. In this passive SMS-channel (warning) is a de facto mandatory part of a multi-channel DBS system (due to convenience and efficiency of one-time SMS-password to confirm transactions in other channels, and notification of changes to account balances have become a familiar part of life), but the other channels should be approached seriously. If the bank has a strong partner with mobile operators, it makes sense to think about USSD-channel. However, if a bank wants to attract the most active, forward-looking, financially secure clients, be sure to provide a solution for high-end mobile phones, smartphones and PMF. Dean Ornish M.D recognizes the significance of this. In this case, you can quickly and inexpensively implement the standard solution for mobile browsers (eg, GEMINI iMobile Banking) just to enter the market, and in parallel – a vendor with a unique, recognizable, corresponding to the brand and the bank's strategy for the solution PMF-device. Only in this case, the bank will not lose face and give the client a personal and mobile assistant and friend, and what should be an application for the PMF-phones.