Industry WIKI

Animoca Brands Corporation Ltd. is a Hong Kong–based game software company and venture capital company co-founded in 2014 by Yat Siu and David Kim. The company initially focused on developing mobile games, then shifted to blockchain gaming and NFTs in 2018, and to AI in 2025.

Atlantic Money is a London-headquartered financial technology company that offers international money transfers for a fixed fee. The firm was founded in 2020 and officially launched in 2022 by two Americans, Neeraj Baid and Patrick Kavanagh, both early employees of the listed US financial services company Robinhood.

Banking software refers to computer systems used by financial institutions to manage and deliver banking services. These systems support functions such as account management, transaction processing, record keeping, and customer interactions across various channels. Banking software may include core baking systems as well as applications for online, mobile, and automated services. Its

bKash Limited (Bengali: বিকাশ d/b/a: bKash) is a mobile financial service (MFS) in Bangladesh operating under the authority of Bangladesh Bank as a subsidiary of BRAC Bank PLC. This mobile financial service company started as a joint venture between BRAC Bank PLC, and Money in Motion LLC.

BLIK is a Polish mobile payment system launched in 2015. It is operated by Polski Standard Płatności (PSP).

The Blockchain-based Service Network (BSN) is a backend architecture in China for developing and managing blockchain-based applications, and is split into Chinese and International uses. BSN China, designed as the backbone of China's blockchain strategy, was established in 2018 and launched in 2020 by the State Information Center under the National Development and Reform Commission of Ch

BPAY (BPAY Group Holding Pty Ltd) is an Australian electronic bill payment SaaS company which facilitates payments made through a financial institution's online, mobile or telephone banking facility to organisations which are registered BPAY billers.

The Canadian Securities Administrators (CSA; French: Autorités canadiennes en valeurs mobilières, ACVM) is an umbrella organization of Canada's provincial and territorial securities regulators whose objective is to improve, coordinate, and harmonize regulation of the Canadian capital markets.

The Committee of European Securities Regulators (CESR) was an independent committee of European Securities regulators, in place from 2001 to 2010. On 1 January 2011, it was replaced by the European Securities and Markets Authority (ESMA).

Contactless payment systems are credit cards and debit cards, key fobs, smart cards, or other devices, including smartphones and other mobile devices, that use radio-frequency identification (RFID) or near-field communication (NFC) for making secure payments. The embedded integrated circuit chip and antenna enable consumers to wave their card, fob, or handheld device over a reader at the

Finco Services, Inc., branded as Current, is an American financial services and software development company based in New York City. It provides mobile banking services through its partner banks, Choice Financial Group, and Cross River Bank.

The Diamond–Dybvig model is an influential model of bank runs and related financial crises. The model shows how banks' mix of illiquid assets (such as business or mortgage loans) and liquid liabilities (deposits which may be withdrawn at any time) may give rise to self-fulfilling panics among depositors. Douglas Diamond and Philip H. Dybvig, along with Ben Bernanke, were the recipients o

A digital wallet, also known as an e-wallet or mobile wallet, is an electronic device, online service, or software program that allows one party to make electronic transactions with another party by exchanging digital currency units for goods and services. This can include purchasing items either online or at the point of sale in a brick-and-mortar store, either using a smartphone or oth

Dinarak (Al-Mutakamilah for Payments Services via Mobile Phone) is a mobile wallet, money transfer, electronic bill payment, funds disbursement service, licensed by the Central Bank of Jordan under the JoMoPay national switch and launched in late 2015 as Dinarak wallet as part of the Jordanian central bank's efforts to advocate financial inclusion for the un-banked segment of the Jordani

A direct bank (sometimes called a branch-less bank or virtual bank) is a bank that offers its services only via the Internet, mobile app, email, and other electronic means, often including telephone, online chat, and mobile check deposit. A direct bank has no branch network. It may offer access to an independent banking agent network and may also provide access via ATMs (often through in

Electronic benefit transfer (EBT) is an electronic system used in the United States that allows state welfare departments to issue benefits via a magnetically encoded payment card. It reached nationwide operations in 2004.

The European Network for Payments (abbreviated as ENP) is a joint venture aiming at developing a unified European payment solution and facilitating the interoperability of mobile payment solutions provided by several firms. The European Payments Alliance was created in December 2023 by Italian interbank network Bancomat, Spanish mobile payment firm Bizum and Portuguese firm SIBS (which

An exchange rate regime is a way a monetary authority of a country or currency union manages the currency about other currencies and the foreign exchange market. It is closely related to monetary policy and the two are generally dependent on many of the same factors, such as economic scale and openness, inflation rate, the elasticity of the labor market, financial market development, and

Financial technology (abbreviated as fintech) refers to the application of new technologies to products and services in the financial industry. This broad term encompasses a wide array of technological tools in financial services, including mobile banking, online lending platforms, digital payment systems, robo-advisors, and blockchain-based applications such as cryptocurrencies. Financi

A gift card, also known as a gift certificate in North America, or gift voucher or gift token in the UK, is a prepaid stored-value money card, usually issued by a retailer or bank, to be used as an alternative to cash for purchases within a particular store or related businesses. Gift cards are also given out by employers or organizations as rewards or gifts. They may also be distributed

Google Checkout was an online payment processing service provided by Google aimed at simplifying the process of paying for online purchases. The web checkout service was combined with the NFC mobile payments app launched in September of 2011 called Google Wallet under a platform brand of the same name. On November 20, 2013, the web checkout part of the service was fully retired.

Google Pay (formerly Android Pay) is a mobile payment service developed by Google to power in-app, online, and in-person contactless purchases on mobile devices, enabling users to make payments with Android phones or Wear OS watches, in addition to only online & in-app purchases on Android tablets and Android/ChromeOS laptops. Users can authenticate via a PIN, passcode, or biometrics suc

Google Pay Send, previously known as Google Wallet, was a peer-to-peer payments service developed by Google before its merger into Google Pay. It allowed people to send and receive money from a mobile device or desktop computer.

The Helium Network is a wireless system composed of two distinct networks: one for Internet of things (IoT) devices using LoRaWAN and another for mobile phone coverage using Wi-Fi hotspots.

Instant payment (sometimes referred to as real-time payment or faster payment) is a method of electronic funds transfer, allowing for almost immediate transfer of money between bank accounts. This was in contrast to the previous transfer times of one to three business days that had been in place until the mid-2010s.

Interest rate parity is a no-arbitrage condition representing an equilibrium state under which investors compare interest rates available on bank deposits in two countries. The fact that this condition does not always hold allows for potential opportunities to earn riskless profits from covered interest arbitrage. Two assumptions central to interest rate parity are capital mobility and p

JPay is a privately held information technology and financial services provider focused on serving the United States prison system. With headquarters in Miramar, Florida, the company contracts with state, county, and federal prisons and jails to provide technologies and services including money transfer, email, video visitation and parole and probation payments to approximately 1.5 mill

The following is a list of publicly traded companies, that have the largest market capitalization or "market value". Most or all of these companies would be categorized as megacap stocks.

M-PESA (M for mobile, PESA is Swahili for money) is a mobile phone-based money transfer service, payments and micro-financing service, launched in 2007 by Vodafone and Safaricom, the largest mobile network operator in Kenya. It has since expanded to Tanzania, Mozambique, Democratic Republic of the Congo (DRC), Lesotho, Ghana, Egypt, and Ethiopia. The rollouts in India, Romania, and Alban

MetaTrader 4, also known as MT4, is an electronic trading platform widely used by online retail foreign exchange speculative traders. It was developed by MetaQuotes Software and released in 2005. The software is licensed to foreign exchange brokers who provide the software to their clients. The software consists of both a client and server component. The server component is run by the br

MobileCoin, also known as Sentz, is a peer-to-peer cryptocurrency developed by MobileCoin Inc., which was founded in 2017 by Josh Goldbard and Shane Glynn.

Nium is a Singapore-headquartered cross-border payments company. Initially founded by Prajit Nanu and Michael Bermingham, and launched as a consumer-remittance platform Instarem in 2014. In 2016, the company introduced its B2B payments platform and rebranded as Nium in 2019, subsequently elevating Pratik Gandhi to co-founder in 2021. However, Gandhi left Nium in October 2023, around the

Orange Money is the mobile phone based money transfer service of French telecom company Orange S.A., available in most of the group's affiliates in Africa. Its users can deposit money into an account linked to their mobile phone number, and then access a range of services, in particular transferring money domestically and internationally, paying bills and buying airtime top-up.

Pay at the pump is a system used at many filling stations, where customers can pay for their fuel by inserting a credit card, debit card, or fuel card into a slot on the pump, bypassing the requirement to make the transaction with the station attendant or to walk away from one's vehicle. A few areas have gas stations that use electronic tolling transponders as a method of payment, such a

PayBox is an Israeli social payment application that facilitates peer-to-peer money transfers, group collections, and payments to businesses. Launched in 2014 by PayBox Ltd, the app was acquired by Israel Discount Bank in 2017 and has since operated as part of the Discount Group.

PayPoint plc is a British company that provides multichannel payment and retail services across the United Kingdom. Founded in 1996, the company facilitates payments through a nationwide network of convenience stores and offers services including bill payment, mobile phone top-ups, parcel delivery and collection, and Open Banking integrations.

Pepper (Hebrew: פפר) is an Israeli online banking service of Bank Leumi where all banking services are offered exclusively through a mobile app.

Prepaid refers to goods and services paid for in advance. Examples include postage stamps, attorneys, tolls, public transit cards like the Greater London Oyster card, pay as you go cell phones, and stored-value cards such as gift cards and preloaded credit cards.

A QR code payment is a mobile payment method where payment is performed by scanning a QR code from a mobile app. This is an alternative to doing electronic funds transfer at point of sale using a payment terminal. This avoids a lot of the infrastructure traditionally associated with electronic payments such as payment cards, payment networks, payment terminal and merchant accounts.

Quahl ( k-oo-ah-l), formerly known as Initiative Q, was an attempt to create a new payment network and digital currency. It was created by Israeli entrepreneur Saar Wilf, who previously founded Fraud Sciences, a payment security company acquired by PayPal. Quahl is backed by Cato Institute economist Lawrence H. White. The initiative has indicated it will not take measures to evade state

Renting, also known as hiring or letting, is an agreement where a payment is made for the use of a good, service or property owned by another over a fixed period of time. Typically a written agreement is signed to establish the roles and expectations of both the tenant and landlord. There are many different types; a rental agreement tends to refer to short-term rental, whereas lease ref

Rewire by Remitly is a digital financial platform operated by the fintech company Remitly in Israel that provides online financial services tailored to migrant workers. The platform provides remittance services for workers to transfer funds back home. The Rewire by Remitly platform was originally built by the Israeli startup Rewire which was founded by Guy Kashtan, Saar Yahalom, Adi Ben

Scripophily is the study and collection of stock and bond certificates. A specialized field of numismatics, scripophily has developed as an area of collecting because of the inherent beauty of certain historical certificates, and because of interest in the historical context of many of the documents. In addition, some stock certificates serve as excellent examples of engraving. Occasiona

Seeking Alpha is a crowd-sourced content service that publishes news on financial markets. It is accessible via a website and mobile app and offers both free and paid subscriptions. Independent contributors, mostly from the buy side, write almost all of the articles published by the service and are paid based on how many subscribers access their articles.

Self-checkouts (SCOs), also known as assisted checkouts (ACOs) or self-service checkouts, are machines that allow customers to complete their own transaction with a retailer without using a staffed checkout. When using SCOs, customers scan item barcodes before paying for their purchases without needing one-to-one staff assistance. Self-checkouts are used mainly in supermarkets, although

SIA S.p.A. is an Italian company operating in the area of ICT, providing services to the banking and finance sector in addition to platforms for financial markets and e-payment services.

Speedpass was a keychain radio-frequency identification (RFID) device introduced in 1997 by Mobil (which merged with Exxon to become ExxonMobil in 1999) for electronic payment. It was originally developed by Verifone. By 2004, more than seven million people possessed Speedpass tags, which could be used at approximately 10,000 Exxon, Mobil and Esso gas stations worldwide.

Transfast is an international money transfer and cross-border payments company headquartered in New York, with additional offices in India (Kochi, Pune, Jalandhar, and Hoshiarpur), the UAE, Nigeria, and the Philippines. Transfast is owned by Mastercard.

A voucher is a bond which is worth a certain monetary value and which may be redeemed only for specific reasons or on specific goods.

VugaPay is a cross-platform payment service owned by Vuga Ltd, a Rwandan company. It allows businesses and users to transfer money across major payment systems, including credit card networks, mobile money and Bitcoin via an application programming interface, unstructured supplementary service data interface, a mobile phone app, or a web interface. It processed over 5 million transaction

WebMoney is an online payment settlement system established in Russia in 1998. It is one of the largest electronic payments processors in Russia by number of users, with the company reporting 45 million registered accounts and 300,000 active weekly users in early 2020, and 100,000 stores accepting payments via the system. WebMoney is owned and operated by WM Transfer Ltd.

The XRP Ledger (XRPL), also called the Ripple Protocol, is a cryptocurrency platform launched in 2012 by Ripple Labs. The XRPL employs the native cryptocurrency known as XRP, and supports tokens, cryptocurrency or other units of value such as frequent flyer miles or mobile minutes.

Zelle () is an American digital payments network run by a private financial services company owned by Bank of America, Truist, Capital One, JPMorgan Chase, PNC Bank, U.S. Bank, and Wells Fargo. The Zelle service enables individuals to electronically transfer money from their bank account to another registered user's bank account (within the United States) using a mobile device or the web