Thesis (MSc)--Stellenbosch University, 2012. / ENGLISH ABSTRACT: This thesis investigate the di erent available GSM bearer channels that can be used to launch a cellphone banking application. Speci c attention is given to launch such a cellphone banking application to the so called \bottom of the pyramid". In South Africa, there are an estimate 11 to 13 million people with no bank accounts. The cellphone create an ideal opportunity to be used as a tool to reach this untapped market segment that today mainly uses cash to pay for day to day living expenses. The thesis provide more information on the cellphone banking arena in South Africa as well as certain projects in other parts of the world. The thesis also highlight new devel- opments on cellphone technology that include Android and IPhone delivery channels. Focus is placed on how the cellphone banking presentation layer must be delivered through the USSD GSM bearer channel. USSD is at the current moment the ultimate channel to consider due to its extensive reach and ability to work on any GSM cellphone handset. In conclusion, although cellphone banking can be used by any person, the bene t to bring nancial services to the bottom end of the pyramid must be considered to achieve nancial inclusion. The cellphone due to its reach is the ideal medium to access this lower end market. / AFRIKAANSE OPSOMMING: Hierdie tesis ondersoek beskikbare GSM selfoon kanale wat gebruik kan word om 'n selfoon bankdienste toepassing te initieer. Spesi eke aandag word gegee om so 'n selfoon bankdienste toepassing uit te rol na die sogenaamde onderste gedeelte van die bevolkings piramiede. Die tesis verskaf meer informasie oor die selfoon bankdienste arena in Suid Africa maar dit brei ook ooit oor sekere soortgelyke projekte in ander dele van die wereld. Die tesis lig ook nuwe ontwikkelings uit in selfoon tegnologie wat Android en IPhone mediums insluit. Fokus word geplaas op die selfoon bankdienste vertoning deur die USSD GSM kanaal. USSD is huidiglik die beste kanaal om te oorweeg as gevolg van die wydverspreide beskik- baarheid omdat die tegnologie op enige selfoon handstuk werk. Die uiteindelike gevolgtrekking uit die werkstuk is dat selfoon bankdienste deur enige persoon gebruik kan word, maar selfoon bankdienste is 'n goeie idee om te oorweeg om mense in te sluit uit die onderste gedeelte van die bevolkings piramiede. Die selfoon kan dus as 'n ideale medium gebruik word om hierdie mense te betrek by nansiele dienste.