A fully integrated Multi-channel (10-in-1) chat/messenger system with e-commerce. payment system, digital TV media channel ( online distance learning, Live DVB Webcast, On Demand Video, Time-shifted Re-watching, Cloud Gaming, Karaoke). Financial transaction gallery (PPOB-top up, bill payments, hotel/airline/train reservation). Event, News management. App with interface to a dual currency e-wallet (crypto and fiat) and NFC card.