The choice of offering SMS and USSD as the primary interface for our customers, combined with the use of open source software, allowed FNB to create a cost-effective platform at a fraction of the cost of traditional mobile banking platforms.

The choice of offering SMS [Short Messaging Service] and USSD [Unstructured Supplementary Service Data] as the primary interface for our customers, combined with the use of open-source software, allowed FNB to create a cost-effective platform at a fraction of the cost of traditional mobile banking platforms.

I believe I'm strength to the team. But my teammates have strengthened me. The better I get, the better they get, and vice versa.

I think as a freshman, performing well is a good step for upcoming years. I wanted to exceed the goals normal freshmen have.

International oil prices reached new record highs last week, which do not bode well for local fuel costs.

Consumer demand is expected to remain fairly healthy in 2006, especially given the further tax relief announced in the annual budget.