Financial services, namely, financial advisory and consultancy services; financial transaction services, namely, providing secure commercial transactions and payment options; electronic funds transfer; electronic payment services involving electronic processing and subsequent transmission of bill payment data; financial transaction services, namely, providing secure commercial transactions and payment options using a mobile device at a point of sale; processing of contactless credit and debit card payments; bill payment services; debit card services, namely, processing of debit card payments; credit card services, namely, processing of credit card payments