Smart e-Money Inc. (SMI) is a subsidiary of SMART Communications, the largest network in the Philippines, with more than 46 million subscribers and patrons in the Philippines and abroad since the start of year 2000. Smart Hub, Inc. defines the mobile commerce and Mobile Payments Gateway globally with MasterCard Worldwide. This is where the developing countries can utilize superlative financial services like mobile banking and mobile commerce. Moreover, SMI's mobile wallet services have won several awards from distinguished international organizations and have led to strategic alliances with leaders in the remittance and payment industries. With over 10 years of experience in the mobile commerce industry and a pioneer in Mobile Banking and Mobile Wallet Services, Smart Communications have implemented a proprietary mobile commerce infrastructure that spans different products and services across different market segments, partnered with various financial institutions big and small in catering to the financial transaction requirements of the banked and unbanked. We also executed various ecosystems that harness even remote economies in the countryside. The use of the platform has recently expanded across Latin American countries, launching in Brazil in partnership with MasterCard Worldwide (MCW).