CET provides professional services and applications for financial services such as lending and payments. It's products include 1) PaySwag white-label mobile application that enables creditors to engage and collect payments from underbanked and challenged businesses and consumers. This B2B service facilitates payment through its cash or card payment, reward, education, and feedback engines. The mobile app also features push notifications, educational videos, and interactive games in order to motivate its users to make on-time payments in return for rewards. Creditors can access analytics, integration, advanced workflow, and security capabilities. 2) Text2Pay a Salesforce.com platform payment solution.