Abstract: A system for aggregating a plurality of credit providers to provide credit to at least one consumer comprising a consumer device comprising an identifier associated with the at least one consumer; a central facilitator arranged to receive a request for credit from the consumer device; the request comprises the identifier associated with the at least one consumer; a whitelist database arranged in data communication with the central facilitator, the whitelist database further arranged to receive whitelist information from at least one of the plurality of credit providers; wherein upon receipt of a request for credit, the central facilitator instructs the whitelist database to compare the identifier with the whitelist information to determine if the at least one consumer is whitelisted, such that: if the at least one consumer is whitelisted, the at least one consumer is provided with a first electronic interface to complete an application for credit; if the at least one consumer is not whitelisted, the at least

Abstract: A remittance system comprising a remittance platform operable to process a remittance request originating from a sender to a target beneficiary; the remittance request comprising a primary account number (PAN) of the sender; the remittance platform further operable to create an electronic account for the target beneficiary upon determining that the target beneficiary does not have an approved PAN for remittance to take place; wherein the creation of the electronic account comprises a link between a unique identifier of the target beneficiary and the generation of a primary account number for the beneficiary.

Abstract: A system of facilitating financial loan comprising a central loan and savings facilitator hosted by a network provider; the central loan and savings facilitator operable to, upon receipt of a request for a loan from a eligible borrower sent via the network provider; authenticate if the request for loan is from a eligible borrower and if so, provides an electronic application interface for the eligible borrower, wherein as a condition for loan approval, the electronic application form comprise a pledge of a savings amount to be made by the eligible borrower, is disclosed.

Abstract: A method and system of provisioning credit or facilitating the provision of credit to a subscriber of a network provider is described. The method comprises pre-identifying the subscriber for registration with a financial institution based on a set of criteria; checking if the subscriber registers with the financial institution, verifying the subscriber based on at least one unique identifier the credentials of the subscriber; linking the account; wherein the linking step comprises generating a pseudo-account number based on the at least one unique identifier; checking if the subscriber is capable of over-the-counter (OTC) transactions; and providing means for performing OTC transactions if the subscriber is not capable of OTC transactions.