On-line cash account services that allow individuals to fund their accounts via credit, debit, or checking account to a safe secure account that stores funds for use across multiple access points across land-based, mobile and online operations to manage cash transactions; bill payment processing services; Financial services, namely, administration of monetary transactions through a pre-paid debit card and digital wallet that can be used to fund alternative credit lending, namely, electronic transfer of funds; arranging and provision of alternative credit and loans to consumers through an online loan management system, namely, arranging and provision of alternative credit and loans, digital wallets and technologies that facilitate payments, compliance, credit, credit reporting, risk management, and loan management, namely, electronic transfer of funds