Unlike a Fintech, who is dedicated to enabling financial or payment technology, a Techfin is first and foremost a technology company, who happens to consider payment to be one part of their holistic customer experience.

Techfin's are often large organisations that are designing complete consumer ecosystems and require integrated payment capability.

A Techfin could also be a small niche provider of services such as billing with integrated payments. These kinds of providers are emerging as part of the growing Open Banking space in a number of markets.

1. noun. It is the sudden feeling of an inexplicable joy one gets when something romantic or idealistic occurs.

When kilig, one may experience the following:

*butterflies in one's stomach
*heart melting
*shivers down one's spine
*irrepressible noises from one's mouth
*uncontrollable smiling
*an inner conflict between hope of something wished for and reality

Kilig may also be defined as that mountain top, floating, on cloud nine, invincible, i-could-keep-smiling, heart aching goodness and feeling which overpowers the mind's ability to think straight, act straight, breathe properly and articulate thoughts into a single comprehensible sentence.