9 computer programs and computer application software programs for computers, tablets and smart devices, such as telephones for use in accessing and conducting mobile banking services, for electronic fund transfers, for voice, text and picture messaging, and for enabling payment transactions with credit card, debit card, gift card, and other forms of payment types; downloadable electronic publications, namely, downloadable journals in the field of banking and personal finance; Downloadable publications in electronic format, namely, magazines and newsletters in the field of banking and personal finance; downloadable databases in the field of banking and personal finance; electronic payment terminals; automated teller machines (ATMs) and electronic machines for credit and debit card reading and for recording of financial transactions; encoded magnetic card readers; Magnetically encoded credit and debit cards; sound, image or data recording, transmitting, processing and reproducing apparatus; data processing equipment; computers; Computer programs and software programs for use in accessing and conducting mobile banking services, for electronic fund transfers, for voice, text and picture messaging, and for enabling payment transactions with credit card, debit card, gift card, and other forms of payment types; Magnetically encoded credit and debit cards and blank smart cards; telecommunication transmission apparatus, namely, telephones; apparatus for decoding encoded cards, namely, magnetic coded card readers; Magnetically encoded credit and debit cards; encoded, electronic or magnetic cards with security features for authentication or identification purposes; security devices for computer software, namely, encryption devices; network software applications that are downloadable computer programs for use in the operational management of portable, magnetic and electronic cards; downloadable computer software applications for use in accessing and conducting mobile banking services, for electronic fund transfers, for voice, text and picture messaging, and for enabling payment transactions with credit card, debit card, gift card, and other forms of payment types