computer software, computer programs, and application development software used to process, conduct, and manage consumer and employee financial transactions, payroll factoring, and cryptocurrency wallets and used for applying for and managing personal short term loans; computer hardware, programs and software for the provision of banking services, financial services, insurance services, loan services, bank account management services, monetary transfer services, payment services, financial analysis and financial reports, financial management services and for the provision of information relating to banking and finance; computer software for processing electronic payments and for transferring funds to and from others; authentication software for controlling access to and controlling communications with computers and computer networks; magnetically encoded cards for carrying data, namely, magnetically encoded blank bank cards for issuance by financial institutions; multifunction encoded magnetic cards for financial services, namely, magnetically encoded charge cards, cash cards, bank cards, cheque cards, credit cards, and debit cards; computer application software for mobile phones, tablets and handheld devices used to process, conduct, and manage consumer and employee financial transactions, payroll factoring, and cryptocurrency wallets and used for applying for and managing personal short term loans; computer software for financial transaction authentication and verification; electronic publications, namely, newsletters and educational articles in the fields of consumer and employee financial transactions, payroll factoring, banking transaction and provision of personal short term loans, recorded on computer media; downloadable electronic publications, namely, newsletters and educational articles in the fields of consumer and employee financial transactions, payroll factoring, banking transaction and provision of loans; electronic databases in the field of payroll and employee benefits and incentives information recorded on computer media; computer software and computer programs for machine learning, namely, for running artificial intelligence algorithms relating to financial transactions, payroll and employee benefits and incentives

data processing services in the field of payroll; administration of business payroll for others; business management; business administration services; collection of business data and information relating to payroll and employee benefits and incentives

financial services, namely, money lending, installment loans, temporary loans, short term loans, payroll factoring services, charge card and credit card payment processing services, cryptocurrency payment processing; banking services; loan services, namely, providing money lending, installment loans, temporary loans, short term loans, and payroll factoring services; mortgage services namely, mortgage financing services and mortgage banking services; real estate services, namely, real estate lending services; insurance services, namely, insurance consultancy, insurance administration, insurance claims processing and insurance brokerage; private banking services; commercial banking services; merchant banking services; investment banking services; international banking services; savings bank services; payment processing services, namely, processing of debit card, credit card, and prepaid card payments; online banking services; internet banking services; telephone banking services; financial management services; financial planning and investment advisory services; provision of finance services, namely, financial planning, payroll factoring services, provision of short term loans, processing and administration of employee benefit plans concerning insurance and finance, money exchange services and money transmission services, namely, money transfer; financial research services; automated banking services; financial services provided via the telephone, the internet and via computers, mobile phones, tablets and handheld devices, namely, money lending, installment loans, temporary loans, short terms loans, payroll factoring services, and processing and administration of employee benefit plans concerning finance; electronic banking services; electronic funds transfer payment services; electronic funds transfer services via the telephone, the internet and via computers, mobile phones, tablets and handheld devices; automated payment services, namely, automated credit card and debit card transaction processing services; electronic payment services involving the electronic processing and subsequent transmission of bill payment data; clearing and reconciling financial transactions; debit card services, namely, processing of debit card payments; credit card services, namely, processing of credit card payments; providing electronic mobile payment services for others, namely, providing electronic transmission of contactless payment data via the internet; commercial mortgage services, namely, commercial mortgage banking; mortgage issuing services being mortgage lending; financing of mortgage loans; mortgage lending services; mortgage brokerage services; mortgage refinancing services; mortgage financing services; mortgage investment management; loans financing; loan advice services, namely, advisory services relating to financing of loans; arrangement of loans; loan procurement being arranging of loans; financing and loan services, namely, financing services for the securing of funds for others and for the financing and arranging of loans; home loan financing services; rent collection; financial information, advisory and consultancy services relating to all the aforementioned services

technological services, namely, development and testing of computing methods, algorithms for others; development, testing, analysis and monitoring of technology solutions in the nature of algorithms and computing methods used for collating, processing and analyzing consumer, financial, banking, real estate and insurance data; development, testing, analysis and monitoring of technology solutions in the nature of algorithms and computing methods used for data mining; development, testing, analysis and monitoring of technology solutions in the nature of algorithms and computing methods used for statistical pattern recognition; development, testing, analysis and monitoring of technology solutions in the nature of algorithms used for the analysis of data and making predictions from data; technological services, namely, development and testing of computing methods, algorithms for others in the field of machine learning; information, advisory and consultancy services relating to all the aforesaid services

licensing of proprietary data obtained from market research, consumer research, analysis of financial statistics, finance research, banking research, and insurance research