Ma ke ʻano he ʻoihana ʻenehana kiʻekiʻe me ka ʻoi aku o 20 mau makahiki o ka ʻike ma ka ʻoihana kikowaena lawelawe ponoʻī, hilinaʻi ʻo Hongzhou Smart i nā hiki R&D ikaika, hana a me ka hoʻohui ʻōnaehana e hoʻolauna i ka huahana Mobile Money ATM. Ma muli o nā ʻenehana kālā GSM a me USSD, uhaʻi ia i nā palena hoʻohana o nā ATM kuʻuna a hāʻawi i ka lawelawe ponoʻī ʻeke kelepona maʻalahi, palekana a me ka maikaʻi no nā mea hoʻohana honua. Hoʻohana nui ʻia ia i nā panakō, nā mea lawelawe kelepona, nā hale kūʻai kūʻai a me nā ʻoihana ʻē aʻe, e kōkua ana i nā lawelawe kālā e piholo i kēlā me kēia kihi o ka honua, kūpono loa no nā pono kālā o nā mākeke e kū mai ana a me nā wahi mamao.