Financial services are the economic services provided by the finance industry, which includes organizations that manage money such as banks, credit card companies, insurance companies, stock brokerages, and investment funds. The financial services industry comprises three primary sectors - banking, securities and commodities, and insurance. Banks store clients' money, invest it to earn a return, and pay interest to savers. Investment services help individuals invest in stocks, shares, or funds through financial products like mutual funds and equity funds. Venture capital provides money to startup companies and small businesses. Credit card companies provide lines of credit to consumers in exchange for interest on purchases charged to the card.