Customers can access their bank accounts online either through a desktop or mobile. Mobile devices are increasingly being used for accessing the accounts, and have in some specific cases overtaken internet banking on the desktop. The transactions on mobile are done through apps, some of which allow transactions without a data connection. The transaction data is sent through an SMS  to the bank’s server. HDFC and Kotak are the big players in mobile space. Online transactions account for more than 60 per cent of all transactions at HDFC — both through internet banking and mobile app. Mobile banking might overtake internet banking by 2016. Banks realise that the lines between internet banking and mobile banking are getting blurred. Earlier online internet banking was done on PC. But these days, there is a wide variety of mobile devices. A site should be accessible on all platforms.