The Exprivia mobile payments solution offers sophisticated payment services through a virtual electronic wallet on a user's mobile phone. The wallet can be loaded through a credit card or bank transfer and used to pay for things in real time from anywhere to anyone. Key features include easy and secure use through mobile apps or websites, one-time virtual credit cards and cash withdrawal codes, and integration with bank back-office systems. The solution allows banks to provide digital payment services to retail and business customers across multiple channels.