SMS Service is integrated to the system allowing automatic sending of alerts and notification on account activities such as debit and credit activities in an account, loan approval, loan completion, guarantorship activities among other. SMS Service also allow two way messaging where clients and members can query predetermined item using USSD or Keyword services. SMS Services also allow for campaign creation. A campaign may be targeted or general. Targeted campaign involves creation of engagement rules such as geographical location, account balances, gender, and loan balance amounts among others. General campaign involves broadcasting of a particular message to all selected clients or members.