This application transfers your accounts money to anothers account to whome you wants to send. You have to install it & link then just select the bank you are having account in. Set up your profile. Then click on send option. It will show you 4-5 differen options such as how to transfer money via mobile no, account no & code and many options. You need to select one and proceed. You have just provide the right information. But for all this you need to have your account linked with your mobile no. Thats all. it is great development for banking perpose. Thank you