However, this leadership is very conditional and depends also on the political situation. Among all the channels RBS particularly promising for this region is mobile banking. Mobile communication has a very high penetration in all countries, here we add the benefits of SMS and USSD-channels and get a fairly cheap way of banking. Technically, a mobile bank is a collection of several products: from a very simple Java-client and SMS-channel applications to thin clients and smartphones. Depending on the preferences of the bank's supplier can offer one product, and their combination.

Unfortunately, the level of penetration and stability of the Internet remains quite weak, so – good old SMS and IVR channels are more effective than current solutions in Russia and Europe, designed for broadband Internet access. GEMINI line includes the full range of products for mobile banking – the significantly upgraded making the 90-ies, based on SMS and Contact-centers – to modern channels of DBS on smartphones and iPad. Taking into account the local conditions in each Central Asian region will certainly be changes in products and to meet the exigencies of the Bank – in the end implemented solutions. A powerful movement GEMINI line to the Central Asian region is already noticeable in Kazakhstan and Uzbekistan. Let us hope that in other countries in the region will eventually be found interested lenders, which is explicitly stated in the concept of product development in 2011 (this concept can soon be found on the resource).

In conclusion, the future development of banking services and products in Central Asia will inevitably lead to a clear orientation on DBS channels. This is not only an image or reduce queues in the offices, but also the obvious opportunity to automate a huge number of customer self-service functions (for both corporate and retail customers). And it means: Minimal own costs of banks to hold in the RBS of all payments and transfers, new channels to market, minimizing the costs of providing common services (receipt of loan applications, processing deposits). For Central Asia it is still possible relatively painless, making Internet bank first-generation systems such as Web 2.0 (More details on trends in Web 2.0 can be found in LiveJournal in the account Gemini_Banking). Therefore, despite the late start, here it is quite possible accelerated development. Let's hope that the products GEMINI (and other products RBS) will undoubtedly positive impact on the banking market in the region.