ACI Worldwide (ACIW) has released a mobile-banking program for the iPhone and Android smartphones.

ACI Architect Mobile Banking lets banks manage their customers' desktop, mobile and tablet banking with a single set of administrative tools, ACI said Tuesday. It provides users secure browsing, downloadable applications and text banking.

The system can also be customized for individual users for more targeted messaging, ACI said.

"Recent research by ACI and others has shown that the future of banking is mobile. If financial institutions wish to remain competitive they need to have the right tools in place to offer a comprehensive mobile solution to customers," said ACI Senior Vice President Janie West in the news release.