The 'data driven communication' refers to a link to CRM and account management tools that can be accessed through the same log in and user interface as the mobile payment app. The services include what the company is calling a 'virtual personal office.' That includes mobile payments funds transfers prepaid, debit and credit card management the ability to create payment templates for mobile and web bill presentment and payment as well as enhanced data-driven communication capabilities between the consumer and the acquiring financial institution.

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