Hi people I have fusion 100 modems that you can interface for with your software system for bulk sms. They can be programmed with wavecom AT commands and then interface with an application to send and receive sms. The same can be interface with a server to do mobile banking. They are the same ones interfaced with the PABX to act as gsm modem: please contact me offlist if you are interested..+254721791608 regards, henry