Abstract: A system, method and computer program product includes a mobile computing device. A mobile computing device is configured for communicating over a network region and a global network. A server is configured for receiving and processing financial transaction information, performing financial transactions and receiving results of performed financial transactions. A mobile client executes on the mobile computing device and instructs the mobile computing device. The mobile computing device presents a plurality of contacts for selection. The mobile computing device presents a plurality of financial transactions available for a selected contact. The mobile computing device presents a plurality of payment instruments available for a selected financial transaction. The mobile computing device communicates to the server information associated with the selected contact, the selected financial transaction and the selected payment instrument.