The Payment App groups together Mobile Applications under one roof that share a common technology foundation in mobile payments while making life easier and/or cheaper for users and business more efficient & productive for merchants. We enable 1:1 marketing that drives value for users and merchants and powerful business intelligence for merchants through unique smart data from user transactions. The Payment App is working towards a paradigm shift in how transactional data is used by financial institutions, merchants and brands. Our collaborative approach has created an API driven, machine learning platform offering an innovative and mutually rewarding way for consumers and merchants to interact. Globally the move to smart mobile devices and neo banking has shifted the traditional deposit taking methodology of banking to transactional based mechanics. Research tells us that implementation of real time funds transfer capabilities along with the ability to transfer significant information such as line item specific transactional data will not only add additional GDP to Australia’s market place but will also help with fraud and risk mitigation whilst providing a more transparent marketplace.