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 and financial services

Electronic financial services, namely, financial management services; Financial services, namely, 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; banking services and electronic banking services; home banking and Internet banking services; advisory, consultancy and information services relating to the aforesaid service; financial services, namely, financial management, financial investment brokerage services; securities services, namely, brokerage services; 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; processing alternative payment methods, namely digital payments, QR Code payments and instant payments; financial services, namely, processing, authenticating, managing and reconciling electronic payments and electronic 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 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 advances; 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; credit and financial analysis

Advising, consulting and information in the field of maintenance of databases; Software development services; design, development and implementation of software for distributed computing platforms; Development of computer software and mobile applications for use in the authorization and processing of financial transactions; Development of computer software and mobile applications for providing and managing data relating to financial transactions; Development of computer software and mobile applications for providing an electronic financial platform that facilitates transaction of payments over a computer network; Development of computer software and mobile applications for use in the analysis of credit worthiness of individuals and credit risk management; Development of computer software and mobile applications for use in online banking