Before rolling out wireless services, banks often seek to contract with carriers (such as Sprint PCS, Verizon Wireless or AT&T). Generally, banks agree to offer financial services in return for a prominent place on the carrier's default page.

But in the United States, where competitive carriers have their own proprietary networks and encryption algorithms, it is common for the carriers, not the banks, to manage the conversion of wireless data to Internet data. They control the "gateway," as it is called.

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