TelUPay integrates its mobile banking service directly to the interbank network, enabling the service to be bank independent; allowing any customer to attach his/her bank account, debit card and/or credit card from any 3rd party bank directly to the mobile banking service utilizing TelUPay’s TelUCash enrollment, fund transfer and ATM encashment technologies. Customers can transfer funds from these enrolled third party accounts to their mobile banking account providing the customer with the ultimate mobile banking convenience while allowing TelUPay’s clients the maximum flexibility in their marketing initiatives and customer acquisition strategies.