transfer and payment service that enables customers to access their bank accounts to send and receive money, purchase goods, pay bills, and save money and receive short-term loans, and Vodafone One Net, a converged fixed and mobile communications service for large and multinational companies as well as small- and medium-sized companies. In addition, Vodafone offers machine-to-machine business solutions and carrier services such as fixed and mobile connectivity and other services, such as smartphones and tablets, as well as telematics products and services. It sells its products through approximately 16,000 branded stores, distribution partners, and third-party retailers.