Fintiv is a technology company that provides a suite of white-labeled mobile financial transaction services to serve unbanked and under-banked consumers. Its financial services solutions help the movement of money, payment of bills, and purchase of goods and services across multiple channels through mobile and electronic devices. It also delivers payments and mLoyalty solutions to financial institutions, MNOs, restaurants, municipalities, mobile telecom providers, and consumer packaged goods companies as well as companies in retail, hospitality, and government industries that serve banked and unbanked consumers through mobile phones. The company's products include mobile and Web payments, a customer engagement solution, mobile rewards, mVault, a real-time, B2B payment processing platform that addresses and replaces the current cash process, and MoTEAF, a cloud-based, mobile ecosystem that acts as a point of integration, allowing clients to pay, engage and reward through the mobile channel. Michael A. Liberty founded it in 2008, with its headquarters in Austin in Texas and operations in the United States, Mexico, Central America, the Caribbean, the Middle East, Southeast Asia, and Africa.