Canning's view “We are a trade specialist so all retail enquiries and enquiries from smaller independent installers are handled by our customers, which means they are sharing directly in the success of our campaign.” Modern economy, the interest rate as the price of money, not only restricted by many factors in the economic and social, and changes in interest rates to have a great impact on the economy as a whole, as a result, modern economists are studying the interest rate decision problem, pay special attention to the relationship between the variables and the balance of the economy as a whole, the interest rate decision theory has experienced the classical interest rate theory, Keynes's interest theory, interest rate in loanable funds theory and is-lm analysis as well as the contemporary evolution of dynamic interest rate model, the development process. One of the popular features of online/Mobile banking is SMS banking services which are operated using both push and pull messages. Push messages are the types the bank chooses to send to a customer's cellphone without the customer initiating a obtain the knowledge. For example push messages may be either Mobile marketing messages or messages alerting an event which happens in the customer's banking account, like a withdrawal of funds from your ATM or possibly a payment while using the customer's credit card, etc.