downloadable computer software for allowing customers to transact banking and financial business | Domestic and international banking and financing services; commercial and consumer lending services; checking and savings account services; financial services, namely, electronic remote check and time deposit services; individual retirement account services; financial advisory and consulting services; on-line banking; payment processing, namely credit card and debit card transaction processing services, tax payment processing services and electronic funds transfer, credit and debit card services, namely processing of contactless credit and debit card payments; real estate and financing services
