Acronyms and Abbreviations

The list of the acronyms and abbreviations that are used in this guide are as follows:

Table -1 Acronyms and Abbreviations

Acronyms and Abbreviations	Description
ACH	Automatic Clearing House
APR	Annual Percentage Rate
APY	Annual Percentage Yield
BNPL	Buy Now Pay Later
CIF	Customer Identification File
EPI	External Payments Interface
GL	General Ledger
GST	Goods and Service Tax
HNI	High Net Worth Individual
KYC	Know Your Customer
LTV	Loan to Value
PIN	Postal Index Number
POI	Proof Of Identity
PTY	Proprietary
SIN	Social Insurance Number
SMB	Small and Medium Business
SSN	Social Security Number
STP	Systematic Transfer Plan