In 2010, China overtakes Japan to become the other world's economy. According to economists, China remains to be a developing country with fast pace of growth. Data released that Japan\'s gross domestic product is $1.286 trillion while it is worth $1.335 trillion for China. Another source signifies that Japan keeps growing at two or three percent in weighed against 10 % annually of China. Pull messages are the ones which can be initiated with the customer, by using a mobile phone, for obtaining information or conducting a transaction staying with you account. Examples of pull messages for information have an account balance enquiry, or requests for current information like forex rates and deposit rates of interest, as published and updated with the bank. Any transaction can be seen as a contract between the two parties. The so-called transaction cost can be seen as the cost of the transaction contract. According to Mr Coase and others, a type of transaction costs arise from the accidental factors that occur when a deal is signed. These incidental factors may not be written into the contract due to the fact that they could not be foreseen in advance, or although they could be foreseen, they could not be written into the contract due to too many factors. Another type of transaction costs is the signing of contracts and the cost of monitoring and enforcing contracts.