Computer software (including interactive, downloadable and recorded computer software and programs); application software and other downloadable software for electronic devices; computer programs; computer software designed to enable smart cards to interact with terminals and readers; computer hardware and software for facilitating and administering payment, banking, long term finance, credit cards, debit cards, payment cards, automatic teller machines, electronic funds transfer, money and foreign currency transfer, electronic payments, electronic processing and transmission of lending, payment, funds transfer, funds management, cash disbursement, authentication, authorisation, fraud detection and control, disaster recovery and encryption services; computer software for processing bill payment and money transfer transactions; computer software for funds management; computer software for transmitting, displaying and storing transaction, identification and financial information for use in the financial services, banking and telecommunications industries; computer software designed to enable smart cards to interact with terminals and readers; computer software for use in collecting, transferring, receiving, tracking, storing and transmitting information and currency; computer software for enabling and facilitating the payment and exchange of money and currency, including cryptocurrency and foreign currency transfers; computer software for use in managing, collecting, transferring, receiving, tracking and storing transactions; computer software for use in managing sales and purchases made on an online marketplace; computer software for enabling secure transactions via Blockchain platforms; computer software allowing real-time communications; computer software for integrating with other programs; queue management software; computer software for recording, managing, retrieving and storing customer data, customer contact information, customer preferences, and customer behavioural patterns and customer satisfaction information; artificial intelligence and machine learning software; software for use in connection with e-learning; software for online account onboarding; computer software for the generation of invoices and receipts for transactions, including electronic invoices and receipts; computer software for setting up, configuring, operating or controlling mobile devices, wearable devices, computers, computer peripherals; downloadable computer software for mobile banking applications; application programming interface (API) software for use, deployment and management of mobile banking systems; mobile telephones, mobile electronic devices; mobile electronic devices; computer hardware; computer peripherals; computer hardware and software for facilitating payment services electronically; handheld computers; apparatus for tracking, managing and analysing financial accounts via a global computer network, telecommunications networks, intranet, extranet, or the world wide web; computer chips embedded in telephones and other communication devices; bank cards (encoded), credit cards, charge cards, debit cards, loan cards, payment cards, magnetically encoded cards; cards for use in electronic and online banking; cards including integrated circuit chips for financial applications; security encoded cards; travel cards; chip cards and smart cards; cheques incorporating magnetic laminated strips; cheques incorporating encoded laminated strips; automatic teller machines; money dispensing machines; money depositing machines; machines for converting currencies; money handling apparatus; money counting and sorting machines; point of sale apparatus; point of sale computer software for use in bill payment and money transfer services; electronic funds transfer machines; self-service banking apparatus; electronic financial transaction apparatus; credit card verification machines; electrical and electronic apparatus including electric advertising signs, video screens, video display units, telephones and other instruments and apparatus for transmitting and/or receiving information; data processing equipment including computers; internet computing apparatus; magnetic data carriers, recording discs; smart cards and other electric, electronic, optical or opto-electronic devices for storing and/or processing data; machine readable devices for cashless payment systems; card processing terminals; electronic point of sale transaction terminals; card readers; magnetic coded card readers; electronic data carrier card readers; card readers containing radio frequency identification devices for transmitting, displaying and storing financial information, including for payment and/or funds transfer services; magnetic data carriers, recording discs; systems for reading memory cards and systems for reading data in memories including integrated circuit memories and banking card memories; electronic publications; electronic wearable devices for facilitating and making payments and transactions; wearable digital electronic devices capable of providing access to the internet, for sending digital data; wearable computer hardware; smart watches; wearable activity trackers; connected bracelets (measuring instruments); smart glasses, wearable computer peripherals; wearable peripherals for use with computers, mobile telephones; telecommunications apparatus and instruments; software for encryption and decryption of data, documents and communications; wireless communication devices for the transmission of voice, data, images, audio, video, and multimedia content; network communication apparatus; downloadable pre-recorded audio, video and multimedia content; data processing equipment; encryption keys; digital certificates, digital signatures; software for secure data storage and retrieval and transmission of confidential information; electronic encryption units; electronic verification apparatus for verifying authentication of charge cards, bank cards, credit cards, debit cards and payment cards; smart cards