Talk about mainstream adoption, it reminds me of when BofA implemented the same thing. Good that they're working on making it more accessible to people, still have to go through the annoying 2-3 hours transaction speed though -.-
SMS is something everyone understands which is good. However banks are offering instant transaction times in my country, so the 2-3 hours definately needs to be reduced to ensure a point of difference, and the cost of transacting.