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Cyclos is online banking software for microfinance institutions, local banks (in developing countries) and complementary currency systems like LETS, TD4W Credits, Barter networks and time banks.Cyclos has the following functionality: Online banking tools; E-commerce platform; Business directory; Referrals and transaction qualifications; Messaging and notification system; Call- and support-center logging; Integrated management information system;Cyclos can be accessed through the web but also supports mobile phones (WAP/SMS) and point of sale (POS) devices. Enabling sms and card payments. more »