Electronic wallet services; remote payment services; electronic payment services; services for the secure storage and transfer of money and making payments through a mobile terminal using cell phones and other mobile devices or a bank card; services for the secure access to micro insurance, micro savings, and micro credit via a mobile and other digital channels; services for sending or receiving domestic and international money transfers; services for the payment for goods and services to a registered merchant via mobile money account including retail payments, bill payments and payments for telecoms services; Issuing of payment cards; Payment processing services, namely, card transaction processing services