downloadable computer software for use in mobile phones, mobile computing and communication devices and network-connected devices and appliances that functions as a virtual wallet, namely, for enabling banking customers to access online banking systems

Electronic financial services, namely, financial management services; Financial services involving electronic processing and subsequent transmission of bill payment data enabling consumers and businesses to perform electronic payment transactions through the use of their electronic signature, PIN or photo; home banking and Internet banking; advisory, consultancy and information services relating to the aforesaid service; insurance brokerage services; electronic commerce payment services, namely establishing funded accounts used to purchase goods and services on the Internet; online banking services by remote access, namely, home banking via web-based or mobile banking applications; prepaid card services, namely, issuance of prepaid card; credit card services, namely, issuance of credit card; debit card services, namely, issuance of debit card; Insurance consultation; Financial consultation; Issuance of tokens of value; Lending services in the field of unsecured consumer and small/medium business loans; Electronic funds transfer; Financial settlement services, namely, debt resolution services in the nature of debt settlement; Processing and reconciling credit card, debit card, gift card, pre-paid card, deferred payment card, cash and other forms of payment transactions; Foreign exchange transactions; Insurance services, namely, underwriting of accident, fire, health, life, and marine insurance; Insurance brokerage in the field of accident, fire, health, life, and marine insurance; Actuarial services; Underwriting and administration of commercial collateral liability insurance; Financial services, namely, foreign currency exchange, currency transfer services; electronic money transfers; provision of information and services relating to the aforesaid; providing peer-to-peer money transfer and lending services via electronic mail, mobile electronic devices and global and local computer networks; arranging and provision of credit, loans and cash advance services; arranging of credit, loans and cash advances between other parties; financial services, namely, providing financing to emerging and existing businesses; financing services; financial services, namely, extending credit and providing financial resources, loans and cash advances to emerging and existing businesses; Providing information on credit and collections; credit rating report services; financial services, namely financial reporting services; credit and financial analysis

Advising, consulting and information in the field of maintenance of databases; Software as a service, featuring software for providing an electronic financial platform that facilitates transaction of payments over a computer network; Software development services; design, development and implementation of software for distributed computing platforms; Providing temporary use of online, non-downloadable computer software applications enabling banking customers to access online banking systems and financial services