Computer software and software applications used in relation to financial services, financial transactions, electronic commerce, electronic payments, foreign currency exchange, trading and brokerage services, remittance transactions, cross-border money transfers, investment advisory and loan services, data, payment and computer security; authentication software; downloadable user identity authentication and verification software; downloadable computer software for digital identity management, namely, creating, storing, managing and verifying digital identity credentials; downloadable computer software for user authentication and identity verification, namely, biometric authentication software and software for identity documents; downloadable computer software for access control and single sign-on (SSO), namely, software enabling login authentication to third party websites, mobile applications and online services; downloadable computer software for account recognition and credential-based access, namely, software for issuing, storing and presenting digital credentials and tokens for identity verification; downloadable computer software for fraud detection and fraud prevention in connection with online identity verification and electronic payment transactions; downloadable computer software for encryption and secure key management for protecting digital identity credentials and authentication data; downloadable computer software for financial services identity verification, namely, software to support know-your-customer (KYC) and anti-money laundering (AML) identity checks; downloadable mobile application for cross border identity verification and account sign in for financial, payment and digital services; instant messaging software; communications software for electronically exchanging and transmitting data, audio, video, images and graphics via computer, mobile, wireless and telecommunication networks; computer software for tracking and evaluating customer and personal behaviour in relation to purchasing decisions; software for facilitating online payments through a payment gateway; software for use in connection with contactless payments; software and software applications for the purpose of allowing merchants to accept contactless mobile commerce transactions, contactless presentation of loyalty credentials, and contactless redemption of coupons, rebates, discounts, vouchers and special offers; software and software applications that allow merchants to deliver coupons, rebates, discounts, vouchers and special offers directly to the mobile telecommunications devices of consumers; computer software for generating, scanning and recognising QR codes; QR code readers; software for mobile phone credit and e-wallet top-up services; downloadable computer software, computer programs, software applications, and software development tools for electronically creating, accessing, exchanging, trading, transmitting, managing and storing digital assets, digital currencies, cryptocurrencies, stable coins, virtual currencies, digital securities, digital tokens, and digital collectibles, and for facilitating users' ability to view, analyse, record, store, monitor, manage, trade, and exchange the aforesaid assets, as well as manage related payment and exchange transactions; downloadable software for creating, agreeing, executing, managing and performing smart contracts; downloadable computer software for use as an electronic wallet, a digital wallet and a cryptocurrency wallet; software for facilitating interaction and communication between humans and artificial intelligence platforms, namely, bots, virtual agents and virtual assistants; artificial intelligence software for use in relation to marketing, cloud computing, data analytics, predicting trends and customer support; computer software and application software for the provision, communication and administration of loyalty, incentive, reward and redemption scheme, membership scheme, electronic vouchers, electronic wallets, electronic coupons, electronic direct marketing, customer relationship management, marketing campaign, customer database, transaction management, reminders or other messages; downloadable software for omnichannel marketing solutions; online electronic publications (downloadable from the Internet or a computer network or a computer database); downloadable electronic publications in the nature of magazines, articles, brochures, leaflets, datasheets, information and instructional materials in the field of business, e-commerce, information technology, cloud computing, telecommunications, the Internet, business and e-commerce training, business, sales, marketing and financial management; electronic financial transaction apparatus and software for secure online and offline payment transactions.

Advertising; Organization, operation and supervision of loyalty and incentive schemes; business management and administration of digital identity programs for others; business services, namely, identity verification for commercial or business purposes; business consulting services in the field of digital identity, customer onboarding and account authentication for cross border financial and payment services; providing business information in the field of digital identity verification and customer onboarding; business consultancy services relating to facilitating the transaction of business via local and global computer networks by locating and providing referrals for the delivery of a wide variety of business and consumer products and services; dissemination of business information of goods and services of others via local and global computer networks; business consultancy services relating to providing a web site on a global computer network by which third parties can offer and source goods and services, place, determine the status of and fulfil trade leads and orders, enter into contracts and transact business; business consulting services in the field of online payments; advertising of goods and services of others via local and global computer networks; rental of advertising space on communication media; business consultancy services relating to operating an electronic marketplace for the buyers and sellers of goods and/or services on a global computer network; business assistance relating to facilitating business transactions via local and global computer networks; marketing and promotion services; dissemination of advertising materials, updating of advertising materials, compilation of advertisements for use as web pages on the Internet; provision of commercial sales, business, advertising and promotional information through a global computer network and via the Internet; presentation of goods on communication media for retail purposes; Organization of exhibitions for commercial or advertising purposes; Customer relationship management; Business management services relating to electronic commerce; business management and administration services relating to sponsorship programmes; charitable services, namely business management and administration of volunteer programmes and community service projects; Provision of commercial and business contact information; promotion of goods and services through sponsorship; promoting the sale of goods and services by others by awarding points for credit card use or mobile financial software application use; promotional information and advisory services provided to members, subscribers and users of incentive loyalty schemes and reward programs; Promoting the sale of goods and services of others by means of contests and incentive award programs; promotional services in the nature of administration of bonus programmes for purchases of selected goods and services, featuring benefits in connection with environmentally-conscious purchase and lifestyle choices; provision of advertising, business management and data processing services by the use of artificial intelligence; the bringing together, for the benefit of others, of a variety of goods, namely, virtual and digital currencies and collectibles, blockchain-based non-fungible assets and downloadable files authenticated by non-fungible tokens; provision of an online marketplace for buyers and sellers of non-fungible assets, digital assets, and digital collectibles; operating an online marketplace for buyers and sellers of non-fungible assets, digital assets and digital collectibles; information, consultancy and advisory services all relating to the aforesaid services.

Insurance; Financial affairs; Monetary affairs; real estate affairs; clearing and reconciling financial transactions via a global computer network; online banking services and financial services; Credit card services; processing and transmission of bills and payments thereof, and providing insurance for financial transactions; Funds transfer services; transfer of payments for others via the internet; financial services in the nature of bill payment services and processing services; provision of financial information via the Internet; providing financial information relating to cross border payments and electronic funds transfers; issuing of travel vouchers services; capital investments; Financial evaluation [insurance, banking, real estate]; Asset management services; Financial consultancy and advisory services; securities brokerage services, stock exchange quotation services; stocks and bonds brokerage, financial analysis; debit card services, charge card services and cheque guarantee services; Financial clearing services; credit verification via global computer information network; electronic credit risk management services; electronic purchase payment and electronic bill payment services; issuance of stored value cards, charge cards and debit cards; information services relating to finance and insurance, provided online from a computer database or the Internet; agency for collection of gas and electricity fees; Charitable fund raising; online payment services; Issuing of vouchers; provision of electronic funds transfer services; monetary exchange services, issuance of prepaid cards and tokens of value; remittance services and money transfer services; financial transaction services, namely, providing secure payment and remittance transactions; including all of the aforementioned services provided by electronic means; Foreign currency transfer services; Foreign currency exchange; Currency trading; Buying and selling currency; Brokerage of currency; financial transactions via blockchain; fundraising and financial sponsorship; Brokerage of carbon offsets; financial sponsorship of carbon offset programmes; funding of and investment in emissions reduction projects; investment in emissions reduction funds; Provision of loans; Providing temporary loans; electronic wallet services (payment services); payment services and transfer of funds by means of payment terminals; financial services, namely, the provision of contactless mobile payments through merchants at retail, online and wholesale locations; Financial risk management services; financial transaction analysis, namely, analyzing transactions for payment fraud, illegality and compliance with payment transaction regulations and antifraud and money laundering controls; fraud detection services in the field of electronic payment transactions; financial services, namely, providing authentication of financial transactions and verification of payor and payee identity for financial transactions; providing purchase protection services for goods and services purchased by others via a global computer network and wireless networks, namely, providing fraud reimbursement services in the field of credit card purchases and electronic payment purchases, and providing secure commercial transactions for credit card purchases and electronic payment purchases; reimbursement of funds for disputed items in the field of electronic payment purchases; financial services in relation to and for facilitating the buying, selling, trading and management of digital currency, blockchain tokens, and other digital assets on a trading platform; financial services related to digital wallets and electronic wallets, including secure storage and transaction processing of digital assets; Issuance of tokens of value; redeeming the tokens of value of others for payment of goods or services; financial consultancy services related to blockchain technology, digital assets, smart contracts and the integration of traditional and decentralised financial systems; financial services, namely trading of digital currency, cryptocurrency, stablecoins and virtual currency; financial services relating to digital currency wallet and digital currency storage services; financial services, namely, custodian electronic wallet services in relation to digital currency, cryptocurrency, stable coin, digital payment tokens and virtual currency; Issuance and transfer of stable coins and digital payment tokens; financial services relating to customer loyalty, incentive and reward programs; exchange and redemption of tokens of value in relation to customer loyalty, incentive and reward programs; providing discount card services and other rebate services as part of a customer loyalty program; Providing rebates at participating establishments of others through use of a membership card; consultancy, information and advisory services relating to the aforesaid services; Insurance; Financial affairs; Monetary affairs; real estate affairs; clearing and reconciling financial transactions via a global computer network; online banking services and financial services; Credit card services; processing and transmission of bills and payments thereof, and providing insurance for financial transactions; Funds transfer services; transfer of payments for others via the internet; financial services in the nature of bill payment services and processing services; provision of financial information via the Internet; providing financial information relating to cross border payments and electronic funds transfers; issuing of travel vouchers services; capital investments; Financial evaluation [insurance, banking, real estate]; Asset management services; Financial consultancy and advisory services; securities brokerage services, stock exchange quotation services; stocks and bonds brokerage, financial analysis; debit card services, charge card services and cheque guarantee services; Financial clearing services; credit verification via global computer information network; electronic credit risk management services; electronic purchase payment and electronic bill payment services; issuance of stored value cards, charge cards and debit cards; information services relating to finance and insurance, provided online from a computer database or the Internet; agency for collection of gas and electricity fees; Charitable fund raising; online payment services; Issuing of vouchers; provision of electronic funds transfer services; monetary exchange services, issuance of prepaid cards and tokens of value; remittance services and money transfer services; financial transaction services, namely, providing secure payment and remittance transactions; including all of the aforementioned services provided by electronic means; Foreign currency transfer services; Foreign currency exchange; Currency trading; Buying and selling currency; Brokerage of currency; financial transactions via blockchain; fundraising and financial sponsorship; Brokerage of carbon offsets; financial sponsorship of carbon offset programmes; funding of and investment in emissions reduction projects; investment in emissions reduction funds; Provision of loans; Providing temporary loans; electronic wallet services (payment services); payment services and transfer of funds by means of payment terminals; financial services, namely, the provision of contactless mobile payments through merchants at retail, online and wholesale locations; Financial risk management services; financial transaction analysis, namely, analyzing transactions for payment fraud, illegality and compliance with payment transaction regulations and antifraud and money laundering controls; fraud detection services in the field of electronic payment transactions; financial services, namely, providing authentication of financial transactions and verification of payor and payee identity for financial transactions; providing purchase protection services for goods and services purchased by others via a global computer network and wireless networks, namely, providing fraud reimbursement services in the field of credit card purchases and electronic payment purchases, and providing secure commercial transactions for credit card purchases and electronic payment purchases; reimbursement of funds for disputed items in the field of electronic payment purchases; financial services in relation to and for facilitating the buying, selling, trading and management of digital currency, blockchain tokens, and other digital assets on a trading platform; financial services related to digital wallets and electronic wallets, including secure storage and transaction processing of digital assets; Issuance of tokens of value; redeeming the tokens of value of others for payment of goods or services; financial consultancy services related to blockchain technology, digital assets, smart contracts and the integration of traditional and decentralised financial systems; financial services, namely trading of digital currency, cryptocurrency, stablecoins and virtual currency; financial services relating to digital currency wallet and digital currency storage services; financial services, namely, custodian electronic wallet services in relation to digital currency, cryptocurrency, stable coin, digital payment tokens and virtual currency; Issuance and transfer of stable coins and digital payment tokens; financial services relating to customer loyalty, incentive and reward programs; exchange and redemption of tokens of value in relation to customer loyalty, incentive and reward programs; providing discount card services and other rebate services as part of a customer loyalty program; Providing rebates at participating establishments of others through use of a membership card; consultancy, information and advisory services relating to the aforesaid services