Credit card services; debit card services; debt collection agencies; acquisition and transfer of monetary claims; clearing (financial); money exchange; factoring; financing services; electronic funds transfer; liability guarantee; instalment loans; hire-purchase financing; brokerage for hire-purchase; brokerage for issue of traveller's checks; issuing of traveller's checks; agencies for collecting gas and electric power utility charges and telephone charges or public utility charges, and providing information relating thereto; lending against security; savings banks; payment services provided via the Internet; credit guarantees for use of credit and debit cards