该系统最大的特点是开放式，可与手机银行业务、保险业务等对接，而且可以运用GMS。据说还是开放代码的。

SMS-based Microfinance System Unveiled

A new system has been unveiled that claims to let MFIs run their entire operations via mobile phones and a single laptop. ‘FrontlineSMS: Credit’ system combines SMS-aggregating software and mobile commerce offerings to let MFIs deliver and track loans via handsets. It is based on FrontlineSMS, a free, open source software that turns a laptop and mobile phone into a central communications hub. Once installed, the program taps the GSM wireless telephone network to enable users to send and receive text messages with groups of people through mobile phones.

According to its Website, "FrontlineSMS:Credit aims to make every formal financial service available to the entrepreneurial poor in 160 characters or less". The new venture is building a series of free and open source financial modules that will allow FrontlineSMS to communicate with mobile payment systems in real time. The founder says this will turn FrontlineSMS in to a microfinance management information system, a payroll center for SMEs, a collection and distribution center for microinsurance premiums and payouts, and a hub for individual credit histories and scores.

相关资料：

SMS：SubscriberManagementSystem)是存储着用户相关数据的大型数据库系统（ORACLE）。它能够帮助运营商建立合理的运营流程，建立起用户、业务、帐务、统计等一系列管理模式，为运营商带来新的运营理念。

　　Systems Management Server (SMS) 2003 已成为面向全球管理员的重要配置管理和软件交付工具。现在 Microsoft 正在准备引入新版的企业管理解决方案，该新版本采用了新功能和新名称：System Center Configuration Manager 2007。

　　System Center 是一系列 Microsoft 产品，旨在相互协作使复杂 IT 基础结构的日常管理变得更加容易、更加经济高效。System Center 解决方案基于从 Microsoft Operations Framework (MOF) 和信息技术基础结构库 (ITIL) 派生的自动化和最佳实践，并可用于组织的所有级别。