Financial services, namely, money transfer services, direct debit accounting services, electronic fund transfer services, electronic credit and debit transaction processing, money order services; electronic transmission of voice data for financial transactions; payment services, namely, electronic receipt, batching, processing and transmission of payment data; financial clearing houses; banking services including cheque processing; credit inquiry and consultation; credit recovery and collection; currency exchange and advice; issuance of debit, credit and pre-paid phone cards; processing, transportation and delivery of funds; financial agency services for all of the foregoing services