Kuwait Finance House – KFH – commenced SMS ON TIME service, which is the first of its kind, with some of its customers. The service enables KFH customers to have access to their accounts through short messages in both Arabic and English languages. The service includes inquiries about account balance, credit card balance, obtaining a brief account statement and receiving the reply in few seconds after sending the SMS to No. 803333. Mr. Mohammed Naser Al-Fawzan, Deputy AGM – Banking Sector, said that this service is presented in cooperation with MTC. The service is provided free of charge by KFH while MTC shall charge 50 fils on each message. . Customers may subscribe in this service through KFH.COM or telephone service 803333 or all bank branches. Mr. Al-Fawzan explained that the customer, upon subscription, shall receive a service code No. He may send a message from any place in the world round the clock, through the phone specified in the application including account No., code No. and the information required to receive the reply instantly. Mr. Al-Fawzan confirmed that the new service is the first of its kind in Kuwait. It is an innovative idea, which has been developed in KFH to reinforce the active communication between KFH customer and his bank account. Also, it signifies KFH growing interest in using modern technology and developed communication means to fulfill customers’ demands and provide a high level service in various manners. He added that KFH launched in 2000 Tamweel Jawwal Service for SMS by using the PUSH DATA method. According to this service the customer is able to obtain details of his accounts based on a prior instructions conveyed through the mobile phone. Now, KFH presents this new SMS ON TIME service through the PUSH & PULL DATA system which provides an active communication method between the customer and KFH wherein the customer sends a short message and receives the reply in another message. Mr. Al-Fawzan considered that the development of services within relatively short periods and in an organized manner is an assurance of KFH keenness to implement modern technology to serve its customers and reinforce its strategy in this field KFH has adopted major significant steps on the technical level. KFH is the first, among traditional and Islamic banks, to implement new services. It has implemented the WAPP and Tamweel Jawwal services to enable customers to perform banking transaction through mobile phone. Technology did not stop at this end. Internet has provided an opportunity to overcome the place and time obstacles upon performing banking operations. KFH has provided a fully integrated site, which comprises more than 120 banking, commercial, real estate and investment services. These services fulfill various customer needs and provide access to accounts on one hand and KFH products on the other hand. Services include financial position details as well as various inquiries about currency rates, KFH real estate and commercial activities, local and foreign financial transfers. KFH has also provided high tech free services such as the detailed search of the account amount or transaction wise as well as the L/C and L/G services. KFH has also provided FAX ON TIME service, which is considered as the first of its kind. This service enables the customers to obtain a free account statement on weekly or monthly basis on any local fax where he receives the information at the required time and