Mobile banking via smartphones or tablets is now the highest channel used to access banks according to Bain & Company. The mobile channel is now the critical focus in the bid to earn customers loyalty. Loyalty in turn increases the banks KPI's creating a win win. 99 Wuxian (NNW) is an exclusive m commerce market place embedded in Chinese (9 of the top 10) bank apps and exclusively operates their m commerce loyalty points redemptions business. Bain & Co documents attached.