The ARBES Smartphone Banking application is a full-fledged channel that makes use of all the advantages of these modern devices (geographical functionality, widgets, modern multi-level marketing, telephone functionality, etc.). In addition to the routine management of finances, the application, for instance, supports work with multiple accounts including cash and credit cards, allows for the monitoring of the structure and development of revenue and expenditures in the form of graphs, displays bank branches and ATMs on a map, offers budgeting and the monitoring of cash-flow parameters, along with a host of other features. A great advantage of the new solution is the off-line super-structure to the application that allows bank clients to manage their finances, carry out payment categorization and create budgets in the off-line mode as well.