36 Financial services, namely, investment consultancy, banking, and electronic funds transfer consultancy; open banking services; open banking payment processing services, namely, processing of credit and debit card payments; merchant services, namely, payment transaction processing services for credit card, cryptocurrency and electronic wallet payments and payment top-up services; bank savings and checking account services including payment top-up services in the nature of electronic funds transfer; banking; banking services relating to the transfer of funds from accounts; electronic funds transfer and payment services; providing money transfer services via mobile devices and global computer networks; commercial and consumer lending services and lease-financing services; financial banking services for the withdrawal and depositing of funds; payment administration services, namely, bill payment services; handling of standing orders and direct debits, namely, bill payment services; payment and receipt of money as agents, namely, fiduciary representative services; processing financial card and payment transactions for others; processing of contactless credit and debit card payments; currency bill payment, transfer and exchange services including in relation to fiat, digital, virtual and crypto currencies; e-commerce and e-payment services, namely, electronic payment services involving electronic processing and subsequent transmission of bill payment data; cashless bill payment services effected and facilitated via telephone, email, SMS and other messaging services; automated bill payment services; financial transaction services, namely, providing secure commercial transactions and payment options using a mobile device at a point of sale; providing electronic mobile bill payment services for others; financial services, namely, credit agencies featuring credit processing, namely, credit checking, credit analyzing, and financial reporting services; evaluation of the credit worthiness of companies and private individuals, credit rating and credit scoring services; financial affordability assessment services, namely, conducting financial feasibility studies; issuing of credit cards, bank debit cards and stored value electronic payment cards; bill payment services; processing of electronic wallet payments, including in relation to fiat, digital, virtual and crypto currencies; financial transactional services, namely, providing secure commercial transactions and payment options using a computer or mobile device; credit card and debit card transaction processing services; credit management services and credit fund transfer services in the nature of bill payment services, including paying off credit cards and credit card balances; financial clearing being bill payment services and debt settlement services; financial services in relation to fiat, digital, virtual and crypto currencies, namely, currency exchange services; financial transaction services, namely, providing secure commercial transactions and payment options using a mobile device at a point of sale; providing multiple payment options by means of customer-operated electronic terminals available on-site in retail stores; provision of prepaid gift cards, credit cards, debit cards; cryptocurrency trading services and issuance of tokens of value; financial intermediary services in the nature of financial clearing houses; financial analysis services; remote payment services being electronic payment services involving electronic processing and subsequent transmission of bill payment data; merchant services, namely, payment transaction processing and debit collection services; financial administration of retirement plans, credit card accounts, bank accounts, funds transfers and financial management services; financial management of reimbursement payments, payouts, withdrawals, refunds and disbursements for others; domestic and international remittance services, namely, money transfer; computerised financial data services, namely, financial data analysis; currency trading and exchange services; foreign currency transfer services; financial information in the nature of currency exchange rate quotations; payment transaction card services being credit card and debit card transaction processing services; issue and redemption of tokens of value; providing financial information relating to finance and banking matters via computer networks; provision of information and news in the field of finance; providing financial information in the nature of statements of account; provision of banking services and financial information via a website; provision of financial services via a website, namely, financial information and advisory services; provision of bill payment services via a website; insurance carrier services relating to purchase protection, price protection and extended warranty for goods purchased using credit cards, debit cards, open banking payments and cryptocurrencies; providing financial information, advice and consultancy relating to the aforesaid services; merchant services, namely, payment transaction processing services