4PAY in a Cloud-based Open Banking Platform (under the product names “CLOUDABM”, “ONBANKED” and “4PESA”). The Platform is used by Banks, Financial Services Organizations and Enterprise Businesses to deliver numerous Marketplace services (MPS) that include Bill Pay, Transfers, Remittance and Ecommerce. MPS delivers 700+ services and has now expanded to include Physical and Virtual Prepaid Card Services under the product name “CardView”. All Marketplace services conform to strict 4PAY audit and compliance requirements, PCI-DSS compliant while maintaining ease of use.