Valuation bubble The level of productivity of society determines the organizational form of social basic economic units. Enterprise is the result of the development of social productive forces to a certain level, which is the product of commodity production and exchange of goods. 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. The five-year average interest rate is also gradually rising, now more than 2 percentage points for the first time since July 2016.