EFT Processing
This unit runs card and cash access services for banks and other financial institutions, including ATM network processing, card transaction switching, and outsourced payments technology.
Customers
Banks, card issuers, ATM operators, and other financial institutions that need transaction processing and network services.
Revenue Model
It earns fees for processing transactions, managing ATM and card networks, and providing outsourced payment services.
epay
This unit sells digital payment products through a global distribution network, including prepaid mobile airtime, gift cards, and other digital content sold at retail and online.
Customers
Retailers, mobile operators, digital content providers, and consumers who buy prepaid and gift products.
Revenue Model
It makes money from distribution fees and transaction fees on the sale of prepaid and digital products.
Money Transfer
This unit provides cross-border money transfer services that let people send and receive cash through agent locations, bank accounts, and digital channels.
Customers
Consumers and small businesses that need to send money to friends, family, or business partners across borders.
Revenue Model
It earns fees and exchange-rate spread income from money transfer transactions.