Downloadable software for managing expenses including capturing documents, photo, receipts and requesting and approving transactions, for managing, monitoring and organizing money, managing and organising financial transactions, making payments and money transfers, and purchasing goods or services and banking transactions, for facilitating secure payments, secure credit card and other financial transactions; downloadable software and downloadable software applications for portable electronic devices for managing money, monitoring money and organising money, managing and organising financial transactions, making payments and money transfers, purchasing goods or services, and facilitating banking transactions; downloadable software and downloadable software applications for portable electronic devices for facilitating secure payments, secure credit card and other financial transactions; magnetically encoded credit cards; magnetically encoded debit cards.

Financial services, namely, providing secure commercial transactions and payment options, issuing virtual credit and debit cards, providing on-line stored value accounts in an electronic environment; banking services; online banking services; credit and debit card services, namely, issuing of credit and debit cards, credit and debit card authorization services, credit and debit card registration services, credit and debit card transaction processing services, and credit and debit card payment processing services; money management services, namely, payment processing for electronic SEPA incoming payments and outgoing payments and SEPA instant incoming payments; information, advisory and consultancy services relating to the aforesaid.